BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: NC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: CITIBANK, N.A.
State: NC
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 have tried XXXX times within this month, XXXX separate disputes with XXXX, to remove an erroneous credit account with XXXXCBNA. I have never had a XXXX account, the woman I spoke to at XXXX   associated this account with " XXXX '' ( I don't know anyone named XXXX ), the account shows opened in 1966 ( I was XXXX at the time ). I have looked at XXXX, the account is not there. The account is not mine, I have no knowledge of it. XXXX will not give me contact information so I can dispute it with XXXXCBNA. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX, I visited a local dealership with a pre-qualification letter through Capital One. I asked to only have my credit ran through the Capital One bank, as that was the only bank/creditor that I was willing to work with. The salesperson said that it would only be checked with Capital One bank. I received an alert through Capital One that I had inquiries of multiple banks, such as XXXX XXXX. I did not authorize this inquiry. If the dealership was unable to confirm whether or not they were only able to run the credit transaction through Capital One, they should have informed me prior to the credit transaction. Neither the sales person, nor the sales manager on duty, explained that they would not be able to only run it through one bank. My concern is that I have multiple hard inquiries on my account from XXXX XXXX, XXXX XXXX XXXX and the XXXX XXXX XXXX. Only the dealer and Capital One financial should have been authorized. On the Capital One pre-qualification letter, it states : " Let the dealer know to submit your application to Capital One, which will match your pre-qualification and will impact your credit score ''. 

I did mention this to the dealer and it was neglected. I found this to be misleading on Capital One 's behalf, as they said that my credit would only need to be ran through Capital One Auto Financing. Also, I was under the impression that Capital One would be able to " match '' the amount in which I was pre-qualified for. The interest rates/APRs were too high and I wish that this had been construed better prior use of the pre-qualification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Bread Financial Holdings, Inc.
State: FL
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:
XXXX XXXX XXXX, FL. XXXX XXXX XX/XX/2022 XXXX XXXX I am complaining against BJs Credit Card Company Master Card XXXX Membership. 
Since over 1 year ago I joint and pay for the XXXX membership with the Master Card Company because according to them with this membership and credit card you will be received 5 % back as money rewards every time you buy product on BJs store, and they do not do this. 
After multiple phone calls that they never respond ; I am taking the step to report this company for Fraud, and false advertisement to customers. 
BJs Master Card XXXX membership. 
XXXX XXXX XXXX XXXX TX, XXXXPlease contact me at the above address or by phone at ( home and/or office numbers with area code ). 
Sincerely, XXXX XXXX. 
VERY UPSET CUSTOMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
The firm Pressler and Pressler violated the Fair Debt Collection Practices Act when it caused my joint bank accounts to be levied. 
The debtor owns none of the money in the account - or only has funds in it that can not be levied at all, like social security or XXXX payments. My wife incurred credit card debts prior to marrying myself. Only my wife was a debtor obligated, obligated to respond to, Pressler and Pressler.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2021 I was a victim of fraud. I received a text message from my bank asking if I was attempting to make a purchase as they were believing it was fraud. I responded I didn't make the purchase. After the text I received a phone call, from the number on the back of my debit card. The man identified himself as a member of the Chase fraud department. They reviewed the purchase they had text me about and once again verified that it wasn't me. They said that they would stop the charges as they were still in a pending state and that the money would be refunded to me the following day. They then talked to me about security measures to take on my account. By the end of the phone call I noticed that {$5000.00} was gone from my account. The next day {$5000.00} more was taken. Both amounts were taken via a XXXX transaction and the notes on the debit line had my name, so it looked like I transferred money to my own account. I hadn't even set up XXXX with my business account. Someone had hacked my password, entered my bank account, set up XXXX with their phone number and transferred funds. Whomever the person I was speaking to was in my account as they knew transaction amounts and the total amount of money in my account without me saying anything. Again, this is why I believed that it truly was my bank. I alerted the police. They advised me to work with my bank and that they would do what they could to help, but that Chase bank isn't helpful with police and often use the phrase that they can't give out any information due to protection of the clients. I immediately called Chase bank and they confirmed that they had no notes in their system of a phone call and they also alerted me that Chase bank doesn't text it's members ever. For the next week I spent countless hours calling Chase bank, being transferred to numerous different people. Each of them all told me different things, but it all came down to they blame XXXX and XXXX says its the banks issue. I called XXXX and they wouldn't help either. I called a local Chase branch and made an appointment with a local advisor for XX/XX/2021. She was very sympathetic and agreed that I wasn't in the wrong and that this needed to be escalated to a supervisor. She said she would do that and follow up with me the next day. I never heard from her again. I also emailed her on XXXX XXXX, 2021 to check status and she never responded to that either. I have begged, pleaded and told my story to 20+ people whom work for Chase Bank and none of them helped me in this situation. They said it was my fault even though I wasn't the one who set up the XXXX account or authorized any money to be transferred to any accounts. I was a victim of fraud in the amount of {$10000.00}. As a XXXX XXXX XXXX who at the time had only been open for 2 years, this is a huge loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XXXX I ordered a computer from XXXX for a family friend. I was excited and it was for his birthday. Because it was shipped to his house he told me if it would be okay if he asked the carrier to leave it by his side door because he wont be home. So he did that. When he got home the package was gone. I called XXXX and they were no help, they said it was our fault we did not have it. I filed a claim with Chase because I did not know what to do. They gave me a temporary credit and said they would research the claim. Today XXXX XXXX they said they will reverse the claim because my claim was invalid and XXXX was correct, I do not have the item because it was never received. Now I will also lose the money. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : On XX/XX/2021 I received an voicemail call from a XXXX from a Selene Finance. XXXX asked for me to call her back. I called the number back at the number she gave on my voicemail ( XXXX ). I got someone else on the phone asking me for my account number & social security number. I informed them that I do not have an account number with your company & that I do not give my social security number to no one. 

The person informed me that I do have an account with Selene Finance & wanted to verify my home address. I reluctantly gave the person my home address & then they asked for my account number & SSN # again. I told them again that I do not give my SSN # to no one & that if the lady XXXX called me & asked me to call her back you should just transfer my call to her being that you can see that she called me & wanted me to return her call back. 

The person said that I do have an account with Selene Financial & that I will need to give him my account # or SSN # to see who called me & that I should contact my current lender to get my account information for Selene Financial. I contacted my current service provider & they informed me that my account did transfer to Selene Financial, but they do not have my account number tied to this Selene Financial account.

This company Selene Financial is pathetic! How are you going to conduct legit professional business if you enquire an new account from another company & do not even mail no correspondences out to the account holder introducing yourselves & provide an account number to the account at hand. And then have the audacity to call me asking me to call you back & when I do you want me to provide you my account number to you? Ridiculous! 

Then I tell you that someone ( XXXX ) from this number & asked me to call her back & you would not even assist me getting back in touch with XXXX which asked me to call her back on my voicemail & she did not mention nothing about a account number on my voicemail to reference the call back to. 

I looked this company Selene Financial up prior to typing this complaint & I see why this company has terrible reviews with the XXXX  & on XXXX. I have not even started yet with this Company & already have an unprofessional negative experience.

Take note Selene Financial how about sending out welcome packets to your new accounts letting them know 30 days in advance what has taken place prior to calling someone. That's what professional companies do. And when that person calls you back you do not want to assist when you actually called the person first. 

I need some correspondence sent to me with my account number on it. You should have did this 30 days ago prior to calling me. How can anyone conduct business with this company if you never sent no correspondences out. Get your act together! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX  with no success. They have refused to update information. Accounts to be removed : 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 # : Unknown XXXX XXXX XXXX XXXX XXXX Unknown , Tax Lien XXXX : XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL. Never worked at 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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Transunion Re : Us Bkpt Court NY Bankruptcy chapter XXXX To Whom It May Concern : I have previously submitted a certified letter which was received and signed for on XX/XX/XXXX2016 requesting that a dispute be initiated for a public record Bankruptcy chapter XXXX which is reporting information 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 explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: NY
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 is reporting on my credit that I have an account with XXXX XXXX I have no knowledge of that account at all. I contacted both XXXX and XXXXXXXX XXXX to remove that claim off my report. The account number associated with their claim is XXXX. 
XXXX also reports that I have an account with XXXX XXXX XXXX I don't have any knowledge of that account. I mailed and called them to make that dispute and I was told that the couldn't find and information that I have an account with them. So I was confused as to why XXXX would say I do. 
Also XXXX is reporting a fraud report and so is Experian XXXX and Experian have those fraudulent credit report as well as a extra fraud claim from collections bureau stating that I have an account with XXXX when I ask for the so-called account number associated so I can dispute it as fraud they told me the couldn't find my account number using my social security number. That they would need my phone number associated with the account but I told them I wouldn't know that number if I didn't make an account with them to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I disputed a charge wit h TD Bank they  still have not reversed it so that the account is overdrawn constantly. They also debit the withdrawals before they deposit the credits to cause the account to be overdrawn. I had deposits totaling over  XXXX  and withdrawals that totaled around   XXXX   yet they still overdrew my account to charge me fees. The deposit was n ot one  that was put on hold it was an immediate credit.   They do this just to increase their charges. They have charged me close to {$5000.00} in fees year to date.   THEY ALSO DEBIT MY ACCOUNT FOR A CHECK IF THERE IS NOT ENOUGH FUNDS. EXAMPLE I HAVE {$100.00} IN THE BANK THEY ARE PRESENTED WITH A CHECK FOR {$1000.00} THEY DEDUCT THE {$1000.00} FROM MY ACCOUNT CAUSING IT TO BE OVERDRAWN $  XXXX  CHECK IS PRESENTED FOR {$45.00} THEY RETURN IT BECAUSE THEY HAVE MY ACCOUNT OVERDRAWN WHEN THEY ARE NOT PAYING THE {$1000.00} DEBIT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased this car in XXXX. The amount I owe isnt correct. This car was repossessed in XXXX due to me not being able to make payments. They keep re-aging the dates and the account is open. This has been on my account for 6 years. I have tried to get this disputed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened account at my local Umpqua Bank XXXX the XXXX because I took out a lawsuit loan from XXXX settlement loans to able to receive the wire transfer. My partner and I were in court for a XXXX weeks and had to borrow a lot of money to get through those XXXX weeks of not working. I received the transfer on XXXX for {$8000.00} with no problems, I was going into the bank withdrawing {$1500.00} - {$2500.00} each day then on XXXX the XXXX of XXXX I received the second transfer from XXXX for the same amount when I attempted to pull money out the manager from the Umpqua bank in XXXX Washington told me the money transfer was still pending and it wasn't available until the coming XXXX. What she didn't tell me was that she froze my account and still hasn't given any information as to why. On XXXX the XXXX I went to talk to her gave her copies of the loans and receipts from XXXX confirming the XXXX transfers were loans to me. I haven't been able to go to work because I have no money I told the manager that and she asked me how much I needed I told her XXXX she then Tells me she's sorry but can't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XX/XX/XXXX, with no success ; have called, faxed, email and mailed written request to have errors corrected with all three agencies XXXX, XXXX, and Experian. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : Judgment # : XXXX, XXXX XXXX XXXX  XXXX # : Unknown ( multiple accounts ), XXXX  XXXX # : Unknow ( multiple accounts ), XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, MedicalCollection # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, also remove inquires from 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 I have never applied for credit with these companies. I have never lived at XXXX XXXX XXXX, GA XXXX, XXXX, XXXX XXXX, GA XXXX, XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX, OH XXXX  XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, OH XXXX. These are not my names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Positive account to " add revolving credit account '' : XXXX # : XXXX this account was opened XX/XX/XXXX has a XXXX limit XXXX no balance ; no late payments currently opened paying as agreed

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 2022-09-07
Company: EQUIFAX, 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:
I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like each of the following companies deleted from my credit reports immediately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation