BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-31
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Received a phone call from XXXX at my place of employment on apprx. XXXX/XXXX/2017, and it began just like this ... ..I answered the phone, the woman ( XXXX ) on the phone stated that she is calling to inform me that she is seizing my home and current vehicles for a debt that is said I owed. She further proceeded to ask for my bank routing and account information and credit card information to prevent her " field agents '' she has in the field from coming to my place of employment to arrest me and seize my property and banking accounts, or they 'll be waiting for me outside of my workplace to collect. 

I asked who was she and where is she calling from. XXXX stated that she is calling from XXXX and it 's the XXXX XXXX XXXX XXXX and she needs the money Now!. I asked that they not call my place of employment and gave another number to contact me. XXXX called that number and I asked for a " Letter of Validation '' be mailed to me to view said debt. XXXX stated that they do not mail letters and the only way to get one is through email. To date no letter has been received. 

On XXXX/XXXX/2017, I received another call at work from the collection agency using false pretenses. A gentleman caller said he was looking for me to repair a printer at my employer and needed to speak to ... ... ( myself ) to confirm repair. ( I work for a gov't entity and there is no need to contact me ). I asked for a name and phone number and he proceeded to say XXXX than he disconnected. 

*I 've asked that this company not to call my employer ; but continue to do so. 
* This company did not disclose communication that it was an attempt to collect a debt nor did they say the call was recorded or etc. 
*This company did not do any verifying of person they were trying to reach. 
* This company continues to harass me and use scare tactics and falsely claim to be other individuals or companies. 

I 'm scared out of my wits and the harassment and scare tactics are causing me undue XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: NEW YORK COMMUNITY BANK
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a bank account at Garden State Community Bank in XXXX, NJ, a branch of New York Community Bank. I explained to the manager XXXX that I would be making cash deposits on a XXXX basis of approximately $ 3,500- {$4000.00} per XXXX based on my XXXX take home pay from where I work. I receive a paycheck from XXXX XXXX Bank each XXXX and then take the check to a XXXX XXXX Bank branch up the block to be cashed. After taking some money for myself and giving my wife some money, I deposit the rest into my checking account in cash to pay bills. She assured me this would not be a problem. A few months later, a new manager, XXXX, informed me that she had heard from the back office that there was a problem. I explained to her what I had explained to XXXX, and she told me everything would be fine with the explanation. A few months later, a new manager, XXXX, said she had been contacted by the back office as well. I explained to her as I had explained to XXXX and XXXX previously, and offered to give her a copy of my pay stubs to show where the cash was coming from. She agreed to review the pay stubs and send copies to the back office. She then assured me there would be no more problems. I then received a letter from the VP of the Bank, XXXX XXXX, informing me that there was suspicious activity in my account and that the bank would be closing my account effective XXXX XXXX of this year. I called and spoke to XXXX and when I explained everything to her, she assured me that everything would be fine and I would be able to continue my banking. I then spoke to XXXX XXXX who told me that he would review it and yes it was the cash deposits i was making, but that it is highly unlikely that the bank will reverse its decision. He informed me that they were under the scrutiny of Homeland Security. I told him that I had a problem with this decision because I was doing nothing illegal. He confirmed I was doing nothing illegal, however he again said it is very unlikely that the bank will overturn its decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have mailed and called numerous times to Experian that XXXX XXXX NJ XXXX does not and never has belonged to me. I want this address removed for my credit report! I told them wherever they are getting this information it is incorrect. How can these credit agencies play the rule of XXXX and do what they want! Please help me get this address off my credit report. They are the only credit bureau reporting this incorrect address

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 2016-10-26
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I am currently looking to purchase a new truck. I am very interested in a XXXX XXXX pickup. So while I was researching XXXX trucks, I applied for an auto loan clicking on the " Apply for Credit '' link from XXXX which lead to Chrysler Capital. On the Chrysler Capital website, words were stated that made me believe that I could get approved for a loan by submitting my information. I have always thought that after an auto financier approved me for a loan they would disclose all of the terms of the loan. After submitting my application, I received a " pre-approval '' of {$58000.00}. However, nowhere on the document did it state the APR or Length of XXXX. I called Chrysler Capital and was told that this was information that the dealer would disclose to me. Why is that??? I applied with Chrysler Capital. I feel that Chrysler Capital and the Dealer are in collusion to charge me an excess amount of interest on my loan, and pressure me into buying undesired financial products. I truly feel that I was taken advantage of here. Chrysler Capital asked me to submit my personal and private information by luring me with their offering of loan approval. But after said loan approval, Chrysler Capital is refusing to fully disclosing the terms of said loan. 

I will advise everyone to avoid Chrysler Capital and apply to a full disclosure bank for your auto financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
i took out a simple interest auto loan at 25 % ish. i have paid over {$20000.00} in interest and less than {$3000.00} in principle since XX/XX/2010. 

i was hit hard by the economy, and did get behind. I had a couple deferments. When Icalled to ask what my pay off was just to get an idea I was floored that I still owe today what I financed XX/XX/2010. This feels criminal, and the DOJ file suit and sought damanges against Santander for their practices with Military Members. There has to be something I can do. I have my payment history. If upon your review you say it is legit then I will accept that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have normal credit reports at XXXX and XXXX but NO credit information at Transunion. I have been denied credit several times when a company checks my credit with Transunion and apparently I have no credit. I have filed a complaint on-line and they sent me a form to be filled out and requested a copy of my social security card and driver 's license. I sent all that to them and they still could not provide a credit report to me ( so ... no resolution or information on why they have no information ). I am a joint holder on numerous credit accounts ( mortgages, etc. ) with my husband, so they must have something on file.

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 2021-11-24
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 information incorrect

Complaint:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I settled with XXXX on several accounts last year and the accounts should show as XXXX balance, paid or settled. They are showing as open collections still and hurting my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I wrote a check to my Local XXXX in XXXX NJ on XXXX/XXXX/15 for {$27.00}. The clerk told me he would have to keep my check and present it physically to the bank instead of by ACH, and could not return the check to XXXX know this sometimes happens. 
Check # XXXX was then presented on XXXX/XXXX/15, electronically. 
Check # XXXX was once again presented for payment physically on XXXX/XXXX/15. 
This was an error on the part of the merchant, and the bank ( Wells Fargo ) for paying out XXXX on the same check number for the same amount. 
When I brought this to Wells Fargo 's account and pointed out the error, I was told they had to present this to their " Claims '' department, and it would take them up to 10 days for review. 
I have never heard of such a thing!! They made a mistake, and it was brought to their attention! Why the problem with refunding my own money. It is so clear if you look at my checking account to see what happened. 
I mentioned to Wells Fargo what happens if I overdraw due to this money waiting to be refunded. Oh, of course, they say they will refund any fees, but good luck with that. Also, that amount missing in my account could cause me to overdraw more than XXXX item!! 
I live paycheck to paycheck, support my XXXX year old mother, and can not afford mistakes like this or the bank 's cavalier attitude towards correcting what is very clearly a mistake on their part. 
That is why I am reaching out to this agency. 
Well Fargo has a poor reputation, and loves to charge people fee after fee! 
I even have to pay a {$12.00} fee for them to transfer money from savings to checking in case of overdraw!! 

Is that right??? 
Why is this bank allowed to treat their customers this way? 

Pls help. 

Thank You, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit reports at the end of XX/XX/XXXX and noticed a medical bill in collections on my XXXX credit report with Midwest Recovery System, for XXXXXXXX XXXX XXXX in the amount of {$1000.00} which states was opened XX/XX/XXXX. I did not sign a contact with Midwest Recovery System for anything. I was never notified by Midwest Recovery System to dispute this debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
The banking system of the USA has failed us all. 
1 ) I use my Wells Fargo VISA card to purchase a new computer from XXXX. The funds ( {$1800.00} ) are taken from my account the same day ( XXXX/XXXX/16 ) along with another amount for a computer speaker system. I receive the speakers a few days later and the computer itself another few days later via XXXX. My funds are tied up in the system for approx. 5 days. The computer 's power supply fails a few days after receiving it. I return it to a XXXX XXXX store on Sunday XXXX XXXX 2016, they ( allegedly ) order a replacement advising me to pick it up on Saturday XX/XX/XXXX. it is not there on the date promised so I return on XX/XX/2016only to learn that the replacement was never ordered. I demand a refund and only after escalation do I receive a piece of paper claiming to be a credit issued to the Wells Fargo Visa card I used to purchase it. I have at this point not had access to my $ $ for 18 days and have no product. 
2 ) XXXX/XXXX/16 the alleged refund is not in my Wells Fargo account and after repeated requests for assistance ( my wife and I are both XXXX on a fixed income ) Wells Fargo refuses to honor a fraud claim against XXXX XXXX and continue to refuse to immediately credit my account in full per the card holder agreement, instead deciding to earn $ $ on my pending $ $ by not crediting my account. THIS IS LEGALIZED THEFT BY THE BANKING SYSTEM! 
3 ) Assuming that the alleged refund gets credited to my account tomorrow morning, which I do not believe will occur, I have been without $ $ $ in my Savings account for 19 days when it could have been earning me the pittance of interest that the system pays depositors. No one ... NO ONE ... is willing to satisfy a longtime customer. It should be a no brainer, honor the cardholder agreement and immediately credit my account pending the refund from the vendor. It is apparent that no one monitors Wells Fargo at the Federal Level. If I am WRONG then PROVE it to me by penalizing Wells Fargo for their indifference to a true need. The only reason the computer was purchased is because a similar unit was STOLEN from me on XXXX/XXXX/16 as part of a home burglary, where I have the perpetrator ON VIDEO and the POLICE ( who were given the video and name of the perpetrator ) will not make the effort to arrest him and his accomplices. If they wo n't do this, AND IF your organization ca n't help the common man then I HAVE TO ASK " What good ARE you? ".

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 2015-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX. I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: UMB FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2019, Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX, To : Consumer Financial Protection Bureau : Subject : UMB, Bank not fostering consumer confidence in banking! 

There is an issue of trust and misleading business practices at the below bank. 

UMB XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, KS XXXX On XX/XX/2019, I deposited {$200.00} in cash and received a deposit receipt. I verified that the money was deposited into the bank through mobile banking at XXXX XXXX  Around XXXX XXXX  XX/XX/2019 the money was gone out of the checking account ending in XXXX. 

I needed that money to be there for the intent to pay XXXX XXXX Bill with UMB, Bank mobile banking on XX/XX/2019. 

I had to immediately make a mobile deposit from another bank into UMB, Bank to cover this payment with XXXX XXXX. 

The problems is, if I would have not caught this mistake by UMB, Bank I would have incurred Non Sufficient Funds Check Fees with XXXX  XXXX and UMB, Bank. 

I am concerned that this may be a practice for capital gain. Enclosed are supporting documents. 

I am giving the bank a copy of this letter and they probably will be contacting you soon, but still please look into this matter of concern as I don't want this to happen to anyone else if it's not already have. 

If I can be of help of any kind, I can be reached at XXXX Thank You for protecting the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I contacted Trans Union to dispute information on my Trans Union credit file regarding a XXXX private student loan because of numerous credit reporting errors including misrepresentation the data furnisher is providing Trans Union. I spoke with XXXX at Trans Union ( United States ) on XXXX XXXX. The conversation lasted 50 minutes, and specifically detailed the innaccurate account reporting, description, and status of both XXXX private student loans. 
1 ) .The accounts both report date of first deliquency beginning XXXX and XXXX. The report indicates otherwise as fdate of deliquency XXXX and XXXX. 
2 ) Credit report dated XXXX relfected erroneous account information again. Reported as " Charge-off ''. XXXX XXXX called XXXX customer serivice the same day to verify the account status and XXXX XXXX XXXX verified " not charged off ''. ( See attatched doc # XXXX ) 3 ). The accounts are 18 years old and the payment data history is inaccurate, payment history is over ten years, data furnisher removed all previous payment data ( historical data incorrect ). 
4 ) The account responsibility is incorrect. 
5 ) The account number is not listed. What is listed is my social security number. Education loans are no longer permitted to use social security numbers as account numbers. This is a compliance issue the CFPB and FTC should investigate the use of social security numbers as account numbers on ( educational loans and credit reports ) as it can create a security and privacy issue. 
==================================================================== Violations of Fair Credit Reporting and Truth In lending 12.CFR 10 22.40-43 Furnishers Rule Regulation V Subpart E. ( Request for CFPB Administrative Proceeding ) Trans Union ( CRA ) does not fully comply with furnishers rule and often neglects to use XXXX format during the reporting and investigation process resulting in systematic inaccuracy. The data furnisher continues to supply false and erroneous account information to the credit bureau including payment history, account status, responsibility, and other false or inaccurate information leading to logical inconsistancy. Trans Union does not maintain reasonable procedures in cases of disputed accuracy and willfully ignores disputes, resulting in no correction. Information must be one hundred percent accurate or must be deleted. XXXX XXXX has disputed the account previously under fair credit billing which the data furnisher and CRA has not met FCBA or FCRA rules, in addition data furnisher, or assignee violates other lstate or federal laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In 2015, my Chase accounts were closed and I was told that I can no longer bank with Chase again. I was given no reason for this decision, and after 7 years of calling periodically I have still not been able to get my account back. I have no criminal record or history of fraudulent activity or money laundering, so I feel that Im being discriminated against for no apparent reason. I would like to have this permanent restriction lifted off of my account so I can continue to bank with Chase again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a Care Credit account at Synchrony Bank. I went to the website to have {$100.00} withdrawn from my checking account each month. Unbeknownst to me, the option to " pay In Full '' was also checked. ON XX/XX/XXXX they withdrew {$3000.00} from my checking account. I did n't check my account for a week as I had a running total in my mind as to what I had in the bank. Again unbeknownst to me, My bank had been withdrawing from my savings to pay my bills. I called Synchrony for a refund and they said 3 to 5 days, I called a second time and was told 7-10 days, the third call I was told it would be 15 days, the fourth call, which was yesterday XX/XX/XXXX, I was told two to three weeks and TODAY I was told the check had been mailed XX/XX/XXXX. I still do not have my check, I have overdraft fees and I am hungry. I am beyond furious. I asked for a transcript of my calls and was told I could n't have it. I did ask for them to wire the money back to me and I was told that they could n't do it. My brother who is a XXXX in Illinois said that they can but obviously did n't want to. He is the one that suggested I contact this agency.. I have complained to the BBB and would like to know if there is anyone else I could contact. PLEASE help 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 monetary relief