BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: JPMORGAN CHASE & CO.
State: SD
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:
I received a call from, they said XXXX, that my account as about to be charged {$850.00}. They had the wrong name but my cell phone number. The number on the caller ID was XXXX. There are no charges yet on my XXXX XXXX but this is the second of this kind of call in the last week. 

My Phone is XXXX. XXXX denies this in XXXX of their phone numbers. I have never had XXXX to call about charges " about to be charged '' regardless of the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Santander Consumer USA Holdings Inc.
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:
XXXX XXXX/XXXX XXXX XX/XX/XXXX SANTANDER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I submitted a request for removal of these inquiries years back but they continue to remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
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:
XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAPITAL ONE AUTO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I submitted a request for removal of these inquiries years back but they continue to remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management calls me daily, attempting to collect a debt *for someone else*, a person that I do not know. I have told the reps who call MANY TIMES that I am not that person, I do not know that person, that I do not need their services, and to STOP CALLING ME. They will share information about the person 's ( they are looking for ) debt ( a violation of collection practices ), even after I inform them I am NOT that person. I block the number they call from, only to have them call from another number. I have tried getting them to understand that they have the wrong number, but they KEEP CALLING. I no longer answer their calls, but do immediately block the number when they find another to harass me from. How do I get them to stop?!?! Today 's call ( XXXX EST ) came from XXXX. To date, I have received their badgering phone calls from XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Complaint against ... 

HUNTINGTON BANK Vehicle Loans XXXX XXXX XXXX XXXX, Ohio XXXX XXXX On XX/XX/2019 I made a online bill payment to the above referenced bank for my car loan in the amount of {$11000.00} to pay down my car loan of {$16000.00}. 

Huntington cashed the check on XX/XX/2019 and it was deducted from my bank account with XXXX XXXX XXXX ( my home bank ). 

As of this writing Huntington has not credited my account and continues to accumulate interest. I called 2x in 2 weeks and spoke to cust service. Nothing has been done and I have another regular payment of {$330.00} due on the XXXX, which I should not have to make because my large payment of XXXX should cover about 33 payments into the future. 

They will not acknowledge they have my {$11000.00}. 

I want to rattle their cage. Please help. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, XXXX, XXXX all display record of " delayed payment '' related to an old car lease through Kia Motor Finance. in 2018 when the car was submitted at to the dealer to end the lease, another vehicle was leased with the agreement that the dealer will pay off the remaining balance of the first lease to the leasing company. However either this payment from the dealer was not done in a timely fashion thus caused a delay in payment, or the leasing company did not report the payment balance appropriately causing negative impact on my credit report. My credit has been negatively affected as a result. Dealer information XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX Phone. XXXX-XXXX-XXXX  Fax. XXXX-XXXX-XXXX Lender Kia Motor Finance Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Sterling Infosystems Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I worked for a former employer, but have noticed they are running background checks on me and I have not worked there in over three years. The latest notification was XX/XX/2020. 

The employer was XXXX XXXX XXXX services. 

The background was pulled by Sterling XXXX XXXX I am worried about this as several employees had identity theft and other fraduent charges they were convicted of. I know this as I used to review the reports. 

I am worried someone in the organization is doing this and trying to use accounts or commit fraud on my accounts.

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 2021-03-01
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX, I asked to close my accounts through Live chat, and there are XXXX pending tranactions ( This XXXX tranactions were the checks i deposited to XXXX XXXX  ) .I asked the customer service if there would be a probem to close the accounts since the tranactions were not clear, and the customer service told me there would no problem and close my accouts. This caused my accounts blocked and the checks which i deposited to XXXX were returned. 

The worse thing was that I used the money which i deposited to XXXX and returned back to Citi, so i tried my best to pay XXXX money back or XXXX would tranfer the debt to the collection. 

After this, I made a lot of calls to Citi. the customer service told me that Citi would mail me the check in 7- 10 days, but now XXXX weeks past, I did not get the refund. and i dont know when i will get my money back.

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 2020-09-18
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OCWEN IS REFUSING TO REFUND MY EXEMPT FUNDS STOLEN FOR {$16.00}, XXXX IN XXXX AND XXXX THEY ARE LISTED AS THIRD PARTY CLAIMS IN MY BANKRUPTCY. SHOULD YOU FAIL TO REFUND MONIES WITHIN 15 DAYS WILL SEEK ADVERSARY PROCEEDINGS AND START CLASS ACTION LITIGATION.SEE ATTACHED.

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 2020-07-07
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is the third time I have dealt with Midwest Recovery Systems reporting to my credit bureau. Once already for an illegal payday loan that was over 10 years old, that they put on my credit. And another for a debt that they never sent me any notification on, and agreed to stop all collection attempts. And YET again, I have to deal with them a third time, where I got ZERO written notification on this debt through the mail that I could dispute the account, and it just APPEARED on my credit report. At this point, after 3 times of this occurring by the same collection agency, with no communication via writing, before these collections appear on my account, it is pretty obvious that they do not follow the law. 

Midwest Recovery Systems, XXXX. has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It just randomly appeared on my Experian report without any communication with me whatsoever. Also, this account is already showing as a negative on my account, so this is now impacting me twice. Alleged balance : {$990.00} Original Debtor : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in the state in which the debt was incurred and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX and on XX/XX/XXXX I received a letter from the Wells Fargo mediation program administrator in regards to possible fraudulent accounts that were open in my name that I did not authorize or want. In the letter, they informed me to contact the mediation department if I had any concerns about this issue. Thereafter, I contacted the Wells Fargo Mediation Program and they explain to me the process on how to file a claim and informed me to complete the mediation request form and mail or fax it to the address provided on the form. After  do so, on XX/XX/XXXX I received a letter informing me from the mediation program that they received my request. On XX/XX/XXXX I received a letter informing me about the Mediation process and " what I need to know ''. The letter states " You are not waiving any legal claims by participating in this voluntary process, and there is no cost to you. Within 30 days, you were either be contacted directly by Wells Fargo or contacted by the mediation provider to schedule a telephone mediation session. We have enclosed a copy of material related to your claim that has also been provided to the mediator. The mediation service may also mail you copies of these documents, along with a letter that confirms they received your claim. I was sent an additional mediation form to fill out with my personal information and I sent it again requesting {$100000.00} in relief sought. I signed and dated the form on XX/XX/XXXX. On XX/XX/XXXX the mediation sent me a letter in regards to an Amended Proposal. The letter states that they reviewed the details from my mediation session with XXXX XXXX XXXX and because there was no agreement reached during the mediation session, the mediator created a Mediation Proposal asking that if I agree with the terms listed on the amended mediation proposal to sign it and return it to them. After reviewing the mediation proposal I agreed to signed it to be compensated for my claim. I only signed the mediation form under the condition that I still retain the right to file a complaint with Consumer Financial Protection Bureau to pursue all other applicable contractual and non contractual remedies. On XX/XX/XXXX I received another letter in regards to my claim settlement. Wells Fargo compensated with Identity Theft Protection as well as {$3000.00}. Im filing this complaint with the Consumer Finance Bureau because I would like to take further action with my complaint with Wells Fargo. I would like to pursue all other applicable contractual and non contractual remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please delete these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Bridgecrest Acceptance Corporation
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-01
Company: EQUIFAX, INC.
State: NH
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 just received a letter they are not removing XXXX XXXX XXXX I sent in a complaint to all three ( 3 ) credit bureaus I received a response already from XXXX they removed the XXXX XXXX  I will send proof of that I will also resend the two page notice from XXXX so you can see the obtained the account After the statute of limitations expired this has been going on now for over 3 years!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: RevSolve, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection organization contacted me and asked if I was the XXXX XXXX residing at a 15 year old address for a medical debt at a hospital I have never been to for a person I do n't know. I informed them it was not me. I had not been contacted prior and now I see it on two of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
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:
In Accordance with the fair credit reporting act these accounts below have violated my Rights XXXX XXXX account # XXXX XXXX XXXX XXXXccount # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Chime Financial Inc
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:
On XX/XX/2020 I filed a dispute in writing that was submitted to Chime Bank regarding a merchant not providing a service that was paid for for a total of {$5400.00}. After 91 days, at XXXX on XX/XX/2020 I received an email stating that a determination was made that no error had occurred. This alone has exceeded the 90 day time frame allowed for the bank to investigate the error. Further more, a dispute against this merchant was filed at the exact same time, for the same reason, with the same evidence at my other financial instituion. This claim at the other financial institution was found in my favor in only 45 days. Chime bank made no attempt to ever reach out to me, ask me any questions, and waited until the last second to send me an automated email at 21 minutes before 92 days had passed. This egregious behavior must not be allowed to continue as further investigation has showed this to be a repeated problem Chime Bank customers face when having to dispute a charge. I find it especially troublesome that my other financial institution was able to resolve this matter in my favor, in a reasonable amount of time, while Chime bank has done absolutely nothing. After contacting the merchant, they have no knowledge of there ever being a dispute from Chime bank, meaning the bank outright lied about the investigation even taking place. Furthermore, a manager at chime phone support dispute team told me they didn't even have to do this, and it was merely a favor they were looking into the charges disputed. I reached out to chime over 30 times and never once did they ask any questions or even allude to what was occurring, simply that XX/XX/XXXX there would be an answer. It is important to note that I was originally told by Chime the dispute would be resolved by XX/XX/2020 ( I have attached a copy of this email as well ) If my complaint is not addressed by this company and resolution reached, I will move forward with my own legal counsel in resolving this matter, including a class action lawsuit against Chime, XXXX XXXX / XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021, my account was forced closed. The account balance was {$45000.00} at the time of the closing. When I called the bank, I was told no information could be given to me over the phone. The gentleman on the phone let me know that i had to visit the bank. The closest branch for Wells Fargo is 1 hour and 45 minutes from my city. I finally got free time to make the trip only to be told I had to have an appointment. I attempted to explain the distance, yet was unsuccessful with my request of speaking to someone. My understanding at this point is that the bank flagged the account as fraudulent due to someone logging on to the online. I talked to the person and cleared it up. I do not care that the account was closed. They will not give me any information or a closing letter. I just want the bank to provide me with my remaining balance. At this moment, I do not fulling understand their reasoning of holding my money 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 2021-09-02
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX Ability Recovery Services , LLC opened an account in the amount of {$1800.00}. This was a collections account for educational services. On XX/XX/XXXX Ability Recovery Services closed the first account and opened a second account for the same educational provider. This new account was in the amount of {$1900.00}. On XX/XX/XXXX the second account was closed and a third account was opened by Ability Recovery Services LLC for the same educational provider. The new amount was for {$2000.00}. This is a blatant attempt to re-age the debt. As seen in the attached images, each time the new account is opened the original amount of the debt is also changed, which is incorrect.

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