BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: AZ
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:
Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

2. The following account is not mine XXXX Account XXXX : XXXX REMOVE the inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

XXXX following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

7. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

8. The following account is not mine XXXX XXXX Account Number : ************** REMOVE the inaccurate information from my credit report. 

9.The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report I have a young  daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the Heat XXXX XXXX  unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as XXXX State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a former customer of Bank of the West ( FDIC # XXXX ), who spent much of XXXX and XXXX attempting to close my personal checking account. I initiated phone communication with Bank of the West on XXXX XXXX, when my bank was in good balance, and was immediately thrust into a bureaucratic nightmare. When I called the XXXX number, I was informed that I had to speak with the branch at which I opened the account. As I have moved away from XXXX XXXX, where the account was opened, I found myself with no recourse but telephonic communication. 

I attempted to call the branch at which I opened the account, and was put off, despite multiple tries, by the manager 's unavailability. Each time, I was promised a return phone call. No call was ever forthcoming. 

The account was in good balance until XXXX XXXX, at which it became overdrawn. I promptly deposited {$30.00} into the account, with the intent of establishing a positive balance, but was immediately swamped with overdraft charges. Simultaneously, a previously scheduled XXXX charge XXXX XXXX/XXXX/15 XXXX went through on the account, despite my attempts to get XXXX to remove the charge. Still, I believed this would be fine, as I had deposited enough money in the account to cover the charge. What I did not realize is that Bank of the West 's egregious grift had all ready eaten in the money that I had deposited. 

While this was happening, I was still making attempts to contact Bank of the West at their XXXX number and at the branch where I had opened the account. There was no traction with the XXXX number, as they insisted I need to speak with the branch as the balance was negative. I found myself caught in a XXXX -- I could n't close the account because the account had a negative balance, to which bank of the west was adding incurred fees each day. The local branch, meanwhile, did not return any attempts at communication. The manager was always " out to lunch. " With XXXX exception, ( a {$0.00} XXXX charge on XXXX/XXXX/15, again unexpected ), the account underwent no use, yet it continued to accrue daily overdraft charges until the XXXX of XXXX, when Bank of the West closed the account and referred it to a collections agency. 

It is my fear that my experience has become a standard business practice of Bank of the West, whereby both the unexpressed and expressed desire of the institution is to refuse the closure of accounts for financial gain, with the threat of ruin to any customer unwilling to participate in its usurious scheme. 

This unscrupulous practice of exploitation and abuse of Bank of the West 's customers must neither be tolerated nor sanctioned by its governing bodies and insurers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: AFNI INC.
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Open my account at XXXX years old, at the time I was young and dumb service rep stop me to have me open up a phone line. He never asked for my ID just my social. He said I was approved for XXXX lines I got caught up on his pusuation so I took the offer. I felt behind on payments because I was just a new dad so I could n't pay. I 've made several calls to let them know and they did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was issued a credit card application from Capitol One, I filled out the form and was granted the card. After opening the card, I changed addresses. 

At this point Capitol One called me and said they needed some additional information from me, after the card had been issued and I had begun using it. 

They said there were some " Issues '' they need to make sure were worked out, and refused to elaborate. 

I was given a fax number to send proof of my address and identity to, at XXXX of their departments. 

After faxing them the information XXXX times, from a XXXX, this department claimed they could not read the information on the fax. 

I confirmed there was indeed no issue with the fax machine being used, and deduced the problem was on the end of Capitol One. 

After faxing from a different fax machine the documents, they still said they could n't read them. 

Having no choice I asked if I could email the files, and they said they did n't have that option. 

I began calling different departments at Capitol One to find out what the problem was, and was basically told they suspected the card had been opened illegally. 

I said, let me just pay the balance on the card and be done with it. 

They said I could n't do that, because they had to verify who would be paying. 

As I was unable to prove my identity to them through their department 's incompetence, I left it out of mind briefly and Capitol One immediately sent the account to a collections agency. 

This agency never contacted me, and I found out about it only though pulling my credit report. 

Capitol One made it impossible for me to pay my own credit card balance and impossible to resolve whatever suspicions they had about my own identity on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal has limited my account after receiving funds ( loan ) from my daughter through her PayPal account. Ive given all necessary data they need was assured that it would be lifted in 24 hours and its now almost 78 hours later and past their 3-5 days needed for review. Ive called Customer service everyday this week and have been told a number of different things, time frames, guarantees and my money is still not available for me to use for absolutely no reason whatsoever. I can not explain to you the amount of XXXX  this has caused me. I am a single mother with a XXXX XXXX child, no food in the house, bills starting to bounce and THEY WILL NOT RELEASE MY MONEY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My cash app account was hacked, my email was remove, my phone number was removed and my pin to login was change. Tried to get in contact with cash app customer support but there is no option to talk to a live representative. I have no access to the account anymore, i can't see the activity i am completely locked out from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A new lease was established with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. The sales associate took credit information, wrote up the agreement, and I paid the first months payment. It was assumed at this point credit was run and approved at the amount equal to the first months payment. Final the transaction is passed along to the business manager for final signing and paperwork. The business manager informs we credit came back at tier two, result in a {$13.00} per month additional cost as a result of this credit. No info was provided by said associate nor further explanation by said business manager regarding tiers. Since first month was paid and increase was reasonable, transaction proceeded. All paperwork was signed and i was provided a folder of documentation that seemed sufficiently thick. In a rush to leave, I was not able to look completely through the paperwork. Upon taking more time later to review, a copy of the credit report upon which this credit decision was made, was not provided. Immediate contact was made to the dealership on XX/XX/2020 via phone and email to the sales associate and I believe sales director. Multiple calls went un-responded, as well as many emails. The sales level and management at this dealership are extremely difficult to deal with and were unwilling to make arrangements to provide this information, as legally required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened this account a year or so ago because my dentist offered it to me, I make regular monthly payments but noticed recently that my balance doesn't seem to be going down, so I looked through the transactions and realized they've charged me {$1300.00} once, and {$520.00} twice. I reached out to find out what the mistake was, and they said they {$1300.00} is a " credit '' on my account ( which it is not ) because they " purchased '' my previous balance at the end of a promotional period, and that the {$520.00} is being charged every month from now on. ( My original balance on this card was only ever a little under XXXX, and I regularly make payments of between XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
This is what happened. I had been leased for a car back in XXXX XXXX. I did n't know know anything about the creditor nor the bank that the dealer had done my loan account and amount for the loan I was asking for. I have never had the copy of the contract for the vehicle or loan. All I was giving was the application I did n't fill out. It was all electronic and electronically signed by the dealer. Until XXXX XXXX I was barely able to make the payments. I looked over the paperwork that the dealer had given me and the only thing correct on the application for the car loan and for the vehicle was where I was employed. My monthly income, when I started my employer, and my housing situation was all false information. I called the creditor to explain to then that the information was incorrect. They would n't change it nor listen to what I had to say. They claimed to have a paystub that I did not give them. The paystub they had informed me that I had gave them was dated for XXXX XXXX, XXXX. I had n't even spoke to them let alone fax such a paystub. I 'm very upset now because they finally came and reposes the vehicle after I had explain to them to come take the car back in XXXX XXXX. I can no longer get my personal belonging from the vehicle. I do n't car about the car itself. I just would like my personal belongings from the vehicle. The creditor who hired the repossession never contacted me so i was able to get my belongings out of the car. In fact I still have the key to the car. When I was at the dealer I was informed that there was only XXXX key and that was it. I never had duplicate. So currently i had to quit my job because I 'm not able to get to my employer. I ca n't get any of my personal belongings from the car because the company who took it for the creditor will not even contact me back about my belongings and I would never be able to get to the place the vehicle was take to. I need help to get this taken care of and I 'm a poor college student. I 'm having to move as soon as my current school semester is over in XXXX XXXX because I have been homeless sense last XXXX XXXX. I was actually sleeping in the car they had reposes. Credit Acceptance, home-base of XXXX Michigan is the worst

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 2022-05-17
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I XXXX XXXX the natural person and consumer as defined by the FDCPA 15 USC 1692 ( a ) ( XXXX ) who is submitting this complaint on my own behalf there is no third party involved. Weltman Weinberg & Reis Co. LPA have invaded my right to privacy by sending a letter received on or about XX/XX/2022 which was dated XX/XX/2022 stating that the consumer owes a debt. Weltman is a debt collector as defined by the FDCPA 15 USC 1692a ( 6 ) and has violated the FDCPA. The receipt of this communication was at a very inconvenient time and was an attempt to harass me to coerce a payment of an alleged obligation by way of intended misrepresentation. The receipt of such document is misleading and it appears to be from an attorney which is a violation of 15 usc 1692 ( e ) ( 3 ). Pursuant 15 USC 1692 ( c ) ( a ) I have never given this company my direct consent to contact me or to have my personal information.This is a huge invasion of my right privacy. It is clear that this company has violated the FDCPA and intentionally attempting to deceive I the consumer. This is an alleged obligation. Farther more this company has no rights to collect any amount. UCC 9-109 clearly states such action is prohibited being that this account was transferred for the sole purpose of collecting only and Weltman is a debt collector. I do not give you permission to take any legal action against me. The attached exhibit was mailed to this company on XX/XX/2022 and delivered by XXXX certified mail which was picked up on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Regions banking officials denied my loan request based on age, gender and race. 
My full explanation has been forwarded,

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 2021-09-05
Company: Experian Information Solutions Inc.
State: PA
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 requested the method of there investigation Pursuant to 15 USC 1681a.

The letter i received back stated it was verified. Again, by who? what is there name and number? The law is very clear on what can go on my consumer credit report.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Credit card ( social security card ) The Social Security Administration own the Social Security Card and debt is the obligation of the United States. See 28 U.S.C 3002 ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ;

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 2020-08-07
Company: BARCLAYS BANK DELAWARE
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:
Credit card advised the fraudulent charge would be removed. It failed to do so and my FiCO score has gone down XXXX points. 
The company is Barclays, XXXX XXXX Master Card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX account ( XXXX ) has been settled and closed at {$540.00} on XXXX. See attached. 

Equifax still shows it as a negative account with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRUIST FINANCIAL CORPORATION
State: OR
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:
I paid my auto loan off early in XXXX of this year in full to close my auto loan and they continued to debt my bank account via autopayment the following month. The overpayment took over 25 days to receive from them via check. My XXXX Balance/Account closed or paid in full letter was sent signed and dated XX/XX/XXXX and my closed Paid IN FULL Promissory Note, Disclosure, and Security Agreement from them was dated XX/XX/XXXX. 

The issue is my loan was paid off early, then they debited my bank account to overpay, took 25 days for reimbursement, Paid in Full dates do not match and now they are tried debiting my bank account two months later after my account has been closed and paid off! 

Now they have deleted payment history on their website, reopened my account and even debited my bank account without my permission AFTER MY ACCOUNT WAS PAID OFF AND CLOSED TWO MONTHS PRIOR! 

I have requested a written explanation in accordance to 15 U.S. Code 1692g - Validation of debts and have not received anything in writing. They have also deleted my payment history from their website by deleting my last payments and even the reimbursement of when they kept debiting my bank account even after it was paid off ... creating an overpayment for over a month. Do not TRUST THIS COMPANY!

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 2022-05-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX, XXXX I deposited to Chase bank {$2900.00} cash to use ATM machine at XXXX XXXX XXXX, XXXX CA XXXX 
At that time, money was jammed, and the machine just printed one reciept and fail to deposit. The amount of money ( {$2900.00} ) didn't show up on my account. So I opened the claim with Chase customer claim department, and after 11days, they said the case was denied because they couldn't find any trasaction about my debit card at that day on that ATM machine. So I visited the chase branch and ask to help, but they can not help anything about ATM machine. So I am requested help to CFPB to fine my money back. This money is my rent, utility and all for living but I can not pay anythkng so I am having difficulty to live. 

I will give the information on the reciept which was printed out that time : AID # : XXXX Term ID # : XXXX Sequence # : XXXX Card # : XXXX deposit to check account XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-01
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In summer of 2011, I canceled an XXXX cell phone account because I had zero coverage in the community I was living in. On several occasions, I contacted XXXX using friends ' phones to troubleshoot the issues. Each time, no fix solution could be found. XXXX placed many test calls to my number while I was home and all calls went directly to voicemail as my phone never rang. I paid the final bill and requested the account closed due to no home coverage which was fully verified. Years later, I 'm finding out I 'm in collections. Every month of every year, Afni , Inc keeps renewing the collection account on my credit reports. I contacted them before for the validity of the debt but my attempts were always unsuccessful for they would never respond or comply.

Company response to consumer: Closed with explanation