BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Balance : {$0.00}.

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 2023-07-23
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2023, I received an offer to open a Citi AAdvantage  checking account with a bonus of XXXX miles after completing a series of required activities. I had to make at least 2 direct deposits totaling {$2000.00} within 90 days. I had to make {$1000.00} worth of debit card purchases as well. The email SPECIFICALLY states that I would receive my bonus within 30 days. I have completed all activities more than 60 days ago, and I still don't have bonus. 
I clicked on link provided in the email to open. 
I even called the day I opened the account ( XX/XX/23 ) and confirmed that my account was opened with the bonus. I have spoken to several reps that have also confirmed the offer. I keep getting different answers every single time. One said I had to wait 90 days for the bonus. Another rep said 180 days. I have the email. I know what it says. I have tried to escalate this with Citibank and I haven't gotten anywhere. I just Citibank to honor the bonus of XXXX XXXX XXXX that are owed to me.

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 2023-07-24
Company: CITIBANK, N.A.
State: NJ
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/2023, I applied for a new credit card from Citi Online. At the application window, it promised me that I was approved for a {$14000.00} amount. It also showed that I was instantly approved for {$3500.00} and the remaining will be approved in 17 days. As of XX/XX/2023, way beyond 17 days, when I went to check my credit limit online, it shows that I was only approved for {$3500.00} and not a XXXX more. 

Citi promises to show you at the approval and application window for getting higher limit credit approval to get you to sign up for the Citi Diamond Preferred Credit Card and then do not deliver on those promises ( false advertising of showing higher credit limit approvals ). Nothing drastic has changed on my credit score or anything for this to happen.

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 2023-07-25
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company calls all day and very early in the morning and on Sundays. I have answered and asked the to stop calling and to contact me by mail for information and it is constantly harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CAINE & WEINER COMPANY, 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: Account information incorrect

Complaint:
Caine & Weiner is currently reporting on all three major consumer reporting bureaus that I owe their company {$340.00}. Reporting started on XX/XX/2020 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023, I opened up an Amazon store card. Upon opening the account with Synchrony Bank, the representative stated I would receive a {$100.00} gift card within 5-10 minutes sent to my Amazon account . Never received the gift card in the amount of {$100.00}. I am a victim of identity theft and received an alert notification that my XXXX credit report was pulled on XX/XX/XXXX, and another notification that my credit report for XXXX was pulled again on XX/XX/2023 from Synchrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: BANK OF THE WEST
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Have a checking and savings account with XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I subscribed to a trial - 30 day- XXXX + XXXX. I cancelled before the 30 days. XXXX debited my account for XXXX in XXXX then the charge disappeared. Then I was charged again. XXXX XXXX said they filed an escalated complaint. both tooj my dispute said I was to get affidavit in mail. never arrived. went into local branch XX/XX/XXXX. filled out affidavit. received letter today. botw is denying it. went back to branch. they still will not refundm

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was not allowed to talk to a person before I lost my home to foreclosure. However they sold my account to Selene Financial after the fact my home was auctioned off and after the fact that the new owner was awarded the land. However I tried several times to talk to someone to assist me with modification or other options. They also failed to comply and go by state of North Carolinas regulations and guidelines by the state and Covid-19. Also I received no response to the assigned manager over my account on 2 different times that I had reached out to resolve the matter. And when I did get to finally speak to a actual person then I was told it was to late to do anything being my home would be auctioned in 3 days. However they could of made it possible I know and I have read up on this myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My whole identity and information was and has been comprised for years and I found out this XXXX and have been actively trying to reach out to multiple banks to close these accounts as well as remove the fraudulent information from my credit. I contacted discover in XXXX and they had closed the fradulent accoutlnt and it was removed from my credit for a month but they put in back. The fradulent activity was already proved to not me mine and it should be removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check for XXXX dollars into my Chime ( XXXX ) account on XX/XX/23. My XXXX wrote me the check and it cleared his bank account almost immediately. A week later the funds were still not in my account. I called to complain and they CLOSED my account- without the ability to login, or use my card, or access the funds. Basically they stole XXXX dollars, they had put XXXX of the deposit in my account. Never in my life has a bank taken so long to put a check in and now I have no access to it. I am going to my XXXX  bank tomorrow and disputing and I may call the police. Customer Service was of no help whatsover and I kept getting different answers from different people about the funds. This bank ( if it even is a bank ) needs to be SHUT DOWN. I am livid. I am foolish to ever sign up to this scam and invasive banking technology - IT IS WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: ERC
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:
VICTIM OF XXXX DATABREACH PERSONAL INFO WAS HACKED AND STOLEN I HAVE LETTER TO PROVE. THIS ACCOUNT DOES NOT BELONG TO ME AND WASNT OPENED NOR SIGNED TO AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
To Whom It May Concern : XXXX XX/XX/2023 I received a letter from Wells Fargo Bank dated for XX/XX/2023. The letter stated that I had a bank account that closed. The letter also stated that any remaining bank accounts will stay open. 

I called Wells Fargo Bank the same day in an attempt to resolve this issue. The associate on the phone may or may not have been an immigrant or someone at a foreign call center in XXXX XXXX. The associate on the phone asked for my social security security number & did not give me any detailed information about the history of account activity using my social security number and personal information. I was not allowed to see any documentation used to open one or more fraudulent accounts in my name. The associate on the phone did not give me any information on steps that I could take to obtain documents connected to the accounts in order to inform law enforcement. 

I do not know how many more accounts might be open at Wells Fargo Banks & other Banks. These people might cause me to lose XXXX while I am experiencing XXXX XXXX and other health issues.

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 2023-07-27
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Action were taken as scheduled. I was in a car accident with vehicle and come to find out, I was in a fraudulent situation. I was over charged for vehicle and insurance only covered book value and they are stating that I still have a bill and I'm not understanding why or how. People I brought car from business was shut down due to alot of fraudulent miss handling financial services. They are asking ne to open up a payment plan, but I don't think its necessary for a business that no longer up and running, plus they went to jail. The accident was XX/XX/XXXX and we are still dealing with case. This company is called Santander Comsumer USA, I'm not sure what bill is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Paypal Holdings, Inc
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have contacted PayPal and Paypal credit about the issue the Credit provider. is saying there is no issue but no one and the Paypal is claiming no issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/ made a deposit of {$9.00} to my daughter 's capital one bank account. I transfered from my external checking account. It posted as clear transfer from my external checking account but was never deposited into my daughter 's account. I called to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter from Hunt and Henriques saying I would be sued for a delinquent account. The account is {$2200.00} and held by XXXX XXXX XXXX with the original owner being XXXX XXXX XXXX. I was never notified about this debt from XXXX XXXX XXXX or notified of their intention to file a suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received the debt collection notice from the CBE group Incorporated XXXX XXXX XXXX XXXX 

It states I owe XXXX {$3300.00} and I have not used XXXX and at least 15 years. Made some phone calls and I just get a runaround and they're asking me to purchase XXXX gift cards to be able to resolve this collection issue which to me sounds a bit off. I have not used XXXX I think this is 100 % fraudulent They gave me a reference number of XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: The CBE Group, Inc.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper/Nationstar Mortgage is conducting fraudulent business under : ( 1 ) Sections 1031 and 1036 of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, 5536 ; ( 2 ) Sections 6 and 19 of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, 2617, and the regulations promulgated thereunder at Regulation X, 12 C.F.R. 1024 et seq. ( RESPA Mortgage Servicing Rule ) ; and ( 3 ) Sections 4902 ( a ) and ( b ) of the Homeowners Protection Act of 1998, 12 U.S.C. 4902 ( a ) and 4902 ( b ) ( HPA ).

Mr. Cooper is forcing home owners into unjust payment plans and threatening foreclosure without out cause.

Mr. Cooper claims to have sent us certified mail on 3 separate occasions but can not provide us with tracking numbers or signed receipts of the letters. We never received any letters because they were never sent. 

Every time we speak with a representative from Mr. Cooper, we are told different things and each representative says the other one was wrong. We are constantly given faulty information. 

Mr. Cooper has denied us the ability to make our mortgage payment on several occasions because they want to keep our account behind so they can attempt to foreclose on the property. 

This company has reported our escrow in the negative despite our insurance company having paid them less than 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a business checking account with Truist on XX/XX/2023, and I made a mobile deposit ( {$500.00} ) on XX/XX/2023, I found out that I could not log in anymore on XX/XX/2023. Tried to reset password, cant even get that done, the system or the mobile app did not give me any message of what happened to my account... So I have to wait until today, Monday, XX/XX/2023, to call the bank to find out why. After being transferred twice, I was talking to the Truist Fraud Department without any idea of whats going on. The fraud department told me that my business account has been locked because of the one mobile deposit I made on XX/XX/XXXX. I was told the check I deposited was returned they also asked 7 questions regarding this single mobile deposit, all questions answered of course. Then, I was told to call back on XX/XX/2023 regarding this matter, not any day early. I understand Truist is trying to protect the customers, however, why does one returned check take soooo many days to process??? Why do I have to wait for 8 more days to call??? Is the bank here to help us or causing us more problems? I need to do business with the business income, but now, I cant even access the account ; plus, I have to wait until XX/XX/XXXX to figure out whats going on, today is XX/XX/XXXX. This long waiting time is unacceptable! Also, why didnt the bank notify me in any method regarding the account locking???

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 2023-08-01
Company: LOBEL FINANCIAL CORPORATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
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 IS REPORTING INACCURATE FALSE INFORMATION ON MY CREDIT PROFILE TO SECONDARY AND THIRD PARTY COMPANIES. PLEASE REMOVE THESE FRAUDULENT ITEMS AS TO THESE ACCOUNTS DO NOT BELONG TO ME.

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 2022-11-03
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continually receive telephone calls, emails, and letters about my deceased husband 's credit card. It was NOT my card. My husband did not have an estate as he had both a will and a living will and what assets he had were co owned with me. An affidavit of XXXX has been filed. The I was told by XXXX, whom is trying to sic these harassing folks on me, that I was not responsible. Evidently one department doesn't communicate with the others. Please stop this harassment.

Company response to consumer: Closed with explanation