BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: JPMORGAN CHASE & CO.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my customer out of XXXX XXXX, Minnesota was wiring {$21000.00} to my company for work provided here in Oklahoma XXXX. Friday, XX/XX/XXXX the money was not in my checking account, so my office XXXX contacted A/R at ( XXXX ) our customer to advise it still was not showing up that it had been sent. XXXX XXXX advised that the funds were not withdrawn until overnight Thursday, so it should be showing up by Monday, XXXX. The funds never appeared. Tuesday, XX/XX/XXXX contacted customer again and stated he had wired funds to the account that was emailed to him on XX/XX/XXXX. We did not send the customer an email with that information, so after he provided us with an email showing from ( our email address with the bank routing and account number ) we immediately knew this was fraud. Immediately contacted bank about the fraud and customer to do a " Request Reversal '' since it was sent to the wrong account number. Called Chase again XX/XX/XXXX to find out we needed to do. Chase stated since the funds never appeared in " XXXX '' checking account there was nothing they could do. We asked why the funds were wired to an account that did not match our name and address, and Chase representative stated they do not check that, ( even though it is required on all domestic wire transfers ). Another call to local Chase bank, spoke to XXXX XX/XX/XXXX, he then advised nothing they could do. We would need to get a lawyer at this point, even though during this time Chase had already investigated and admitted they did find the wire as XXXX. 
Also on XX/XX/XXXX, I contacted my email XXXX and IT personnel at XXXX and they could not find any email that was sent on XX/XX/XXXX from my IP address. So either they " Mirrored '' my email or my customers has not been found out.. 

So my complaint is that JP Morgan Chase Bank did not and admitted they did not take the proper steps and matching the wire transfer with our company name and address. 
Chase is responsible for the Request Reversal so that their Bank can get customers money back and then pay My company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XX/XX/19 - XX/XX/19 Specific dealership - XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX, AL. 

While researching trucks, XXXX XXXX 's XXXX had the truck that I had been looking for. I called and was greeted by the internet sales manager (  XXXX ). I informed the manager of my budget and the importance of staying beneath {$400.00} a month. The internet sales manager reassured me that this was feasible with no money down, and no trade in required. I was reassured that this was the case whether I leased the vehicle, or purchased it. I was informed that they hadn't met their sales quota for the month, and were 12 vehicles short. I was also advised that the finance manager would do whatever is needed to make the truck fit into my budget due to the dealerships numbers for the month. Examples were given that the dealership had special coupons to discount the vehicle even more. During the conversation I was reassured this was a forsure thing. I submitted my loan app online to reduce time at the dealership. 

The internet sales manager followed up with me prior to me leaving my house and advised that due to me and my family driving from a different city/state to purchase the vehicle it would be in the price range I needed to be. I was advised to ask for the assistant manager XXXX upon my arrival. My wife and I rushed to get our XXXX kids ready and arrived before closing. 

A sales rep ( XXXX ) greeted me outside and walked me to his desk. I informed the rep that I already had a deal booked and only needed to speak with XXXX. The rep stated he was brought up to speed and would be assisting. From there a paper app was recorded, even though I had already submitted one electronically. The sales rep pulled the vehicle around and allowed me to test drive. Once we returned the sales rep stated the best they could do is {$620.00} a month. I educated the rep that the deal was already set, and the monthly payments would be less than {$400.00}. He went back and spoke with the finance manager who now requested to purchase a vehicle that I had no plans on trading in. Even with the trade in allowance that I was told wouldn't be needed, the monthly payment was still higher then what was originally agreed to. The offer was declined but the sales rep asked for me to give him to noon tomorrow to try and work the deal. My family and I left and drove back to our city/state. 

The next day came and I was forced to follow up with the dealership myself. I was informed that the closest they could get to my previous quote was XXXX on a lease with more than 2k for a down payment. The offer was declined and I informed the sales rep that I will be leaving feedback from my experience. 

Transparency was key, and not present during this transaction. Had I known this wasn't an option, I wouldn't have ran my credit, nor would I have driven my family to a different city/state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Ive requested three separate times that Equifax, XXXX, and XXXX investigate and provide proof that some unauthorized inquiries be removed. After three months of waiting they have yet to respond or remove these. *attached support documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Capital One refuses to take off a paid off credit card that was initially fraud, from XXXX it is destroying my credit and theyve told me they cant take it off until XXXX years I have over 10 inquires from fraud they I can not take off my credit XXXX XXXX refuses to remove a XXXX XXXXear old credit card off my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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: Information belongs to someone else

Complaint:
While checking my credit report, I notice an account from XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. On XX/XX/XXXX, I received a letter from them stating that they had verify the account, see attach, but they did not provide me with the requested information that was used to verify the accuracy of account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: FirstPoint Collection Resources
State: VA
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:
XXXX XXXX Compliance Standards. This alleged debt are reporting fraudulently the XXXX Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance due to FURNISHING MY PRIVATE INFORMATION WITHOUT XXXX DISCLOSURES you must remove all inaccuracies. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, How was this verified? 
If a debt is sold to a XXXX party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with Webster Bank NA in XX/XX/XXXX. My first payment was to become due on XX/XX/XXXX. On XX/XX/XXXX, by letter to me, Webster Bank sent me notice of my new monthly payment on my fixed mortgage ( 2.5 % 15 year refinance ) of {$4800.00}. XXXX. In addition to that notice, Webster Bank included " Annual Escrow Account Projection for the Coming Year. '' That information estimated an escrow of {$1000.00}. 21 monthly and also projected that I would get a refund in XX/XX/XXXX of {$1300.00} if my account were to remain current. My monthly payments came out of my Webster Bank checking account and were auto-deducted by Webster. 
During the calendar year XXXX, my property taxes were not increased nor was my homeowner 's insurance. 

In a letter I received at the end of XX/XX/XXXX, Webster Bank notified me that my escrow account was short by {$9600.00}. Not only would I not get the promised projected escrow rebate of {$1.00}, XXXX, but Webster was billing me every month in XXXX {$6.00}, XXXX, an increase of {$1400.00} per month ( a 31 % increase over the XXXX payment. In spite of conversations with a Webster Branch manager, a Webster regional manager and written notice to the bank alerting them to the problem, there has been no valid explanation for the 31 % increase. I relied on Webster 's billing of {$4800.00} each month in XXXX as well as its projected escrow analysis indicating that I would be entitled to a {$1300.00} refund, not a bill for {$9600.00} spread out monthly in XXXX. Webster 's Regional manager promised me that the bank would " rectify this '' and would get back to me in writing. Although weeks have passed, I have not heard from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX reported a account that does not belong to me on my credit report. I have never had any utilities in my name. This is a collection agency for XXXX XXXX  XXXX. This is a fraudulent account and needs to be removed and deleted ASAP. This incorrect reporting has decreased my scores drastically. This fraud account needs to be REMOVED DELETED, AND BLOCKED IMMEDIATELY.

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 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I called Capital one several time to have my phone number and address updated and they have refused to do so - Capital one have an open card to my name sent to an old address and it might be in someone else 's possession- I have called numerous times to try to have my information corrected and they have made it impossible to do so in a secure manner so, I have requested that they close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am writing to file a complaint against XXXX XXXX for reporting a debt to my credit report, even though I have paid the invoice in full. On XX/XX/XXXX, I received a notice from my credit report that your company has reported a delinquent debt on my account. However, I have already paid the invoice in full on XX/XX/XXXX. 

I have made several attempts to contact XXXX XXXX to rectify this error, but have not received any response. This is unacceptable and is damaging my credit score, despite having paid the debt in full and on time. 

I demand that XXXX XXXX immediately rectify this error by removing the delinquent debt from my credit report. Furthermore, I expect an apology for the damage this has caused to my credit score and the inconvenience this has caused me. 

If I do not receive a response from them or if the issue is not resolved within 30 days, I will take appropriate legal action. 

I would appreciate a prompt response to this complaint, including confirmation that the delinquent debt will be removed from 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 2021-07-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Rent Recovery Solutions
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I received two letters from your company trying to collect a debt for XXXX XXXX XXXX. 
One letter for myself and my daughter. 

XXXX XXXX XXXX I do not owe this debt. Legal counsel from XXXX XXXX XXXX stated that I did not get charged an early termination fee or collected attached is the letter. 

I never received an intent to collect a letter from them. Your collection letter was the first I ever heard of this allegation. 

XXXX XXXX : my daughter was never on the lease. 

I spoke to XXXX XXXX XXXX XXXX and XXXX ( her superior ) and they are claiming that they never sent this amount for my daughter as she was never on the lease. I spoke to them on XX/XX/22 and XX/XX/22. XXXX and XXXX are both stating that Rent Recovery Solutions is responsible for collecting debt - I told them that the letter states " Rent Recovery Solutions is trying to collect a debt for XXXX XXXX XXXX XXXX 

XXXX ( property XXXX also said that she did not know the legal counsel from XXXX XXXX XXXX had decided not to charge an early termination fee. 

I forwarded the document shared with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Portfolio Recovery Associates , LLC contacted me about a debt owed to XXXX XXXX. They called me while I was doing university work ; therefore, I could only be on the phone briefly. They should have emailed me to find a convenient time to call me. It was very intrusive and disturbed my important computer test for XXXX XXXX XXXX They could argue my phone should have been silent, but I was in the comfort of my home ( I attend University Online ) and left my phone on just in case someone needed to reach me for an emergency. The University did not require my phone to be off, so I left it on for emergency contact only ( my mother is elderly, and I am one of the few people she can contact in an emergency ). The phone number was an area code I recognized, hence why I answered the phone. 
Furthermore, I am not sure if the debt is mine. I have had credit cards, but that was over ten years ago. Hence I need to do an investigation to confirm the debt is mine. I did say over the phone that I did not have money to pay any debt because I am attending University and all my living is being covered by money from the University. I did not agree to anything over the phone. I did say to send me more information later because I could not be on the phone. My mind was focused on my University work, so I said the first thing that came to mind to disengage the call. I feel like I was being coerced into resetting the statute of limitations. If there is debt, it has surpassed that limitation by a lot. No actions have been taken except for the attempt to collect a debt. I received a phone call from this collection agency on XX/XX/XXXX for {$510.00}. They did sent me a letter that required me to prove I was going through a hardship ; in response to telling them to contact me later. Despite that, I was not trying to open a line of communication with them ; they should have emailed me to figure out when a convenient time to call would be okay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I previously reported a complaint to you # XXXX back in XX/XX/XXXX in reference to the Credit Bureau Transunion simply allowing several unfamiliar addresses, titled /resident " single family home '' on to my credit report without any notice to me. My reports with all XXXX major credit bureau 's have always been frozen. I disputed this incident with Transunion however the response I received back from them in return wasn't sufficient. 
Within this situation happening not only did someone get approved for rent with an application using my good standing name and credit. They not only racked up {$10000.00} in past due rent. Also used an electric company in XXXX XXXXXXXX XXXX and racked up a past due amount of {$770.00}. And now I believe it to be the same unidentified person racked up over {$17000.00} in my name with a company called XXXX XXXX. All these collections agencies are coming after me. I barely can keep up with it all. I reported all of it to XXXX Police Dept. As well as to my own XXXX XXXX XXXX in XXXX XXXX ; Also reporting it to every .gov I can come across but feeling like I'm not getting any real concrete answers. I've never lived in Michigan much less have ever done business in Michigan. XXXX of the unknown addresses on my Transunion report had the state of Michigan on it. I am positive that all of this mess I'm dealing with still today is due impart to Transunions negligence promising customers complete security with our most private information. Does Transunion have some class action law suit against them at the moment. Or fairly recently? I read somewhere something about just that. 
Please help me. My health is declining since all of this happened to me. I've lived recently in the same house address in XXXX ga for almost XXXX yrs. Age of XXXX until XXXX. My credit has always been excellent. Now someone is using my legal name and social security number. 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 explanation