BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I hope this message finds you well. I am writing to bring to your attention an issue I recently encountered with my Chase checking account, which requires your prompt attention and resolution. 

On Thursday, XX/XX/2023, I utilized my Chase checking account to transfer {$110.00} to a friend through XXXX ( Chase Quick Pay ). To my dismay, I discovered on Friday, XX/XX/2023, that two separate transactions of {$110.00} were processed and sent to my friend via XXXX, despite the fact that I only authorized a single payment. It was evident that a duplicate transaction had occurred without my consent or intention. 

In light of this error, I would like to acknowledge Chase bank 's efforts to rectify the situation. On Saturday, XX/XX/2023, I observed that the duplicated transaction of {$110.00} had been reversed from my Chase checking account. While I appreciate the swift resolution, I believe it is imperative to report this incident to the Consumer Financial Protection Bureau ( CFPB ). My objective in doing so is to prevent similar instances from happening in the future, especially when individuals are making important payments such as rent. 

I kindly request your assistance in thoroughly investigating this matter and ensuring that appropriate measures are taken to prevent the recurrence of such errors. It is essential to maintain the integrity and reliability of banking transactions, safeguarding the interests of customers like myself. 

Please acknowledge receipt of this complaint promptly and provide me with an update on the actions taken to address this issue. I trust that Chase bank, being a reputable financial institution, will handle this matter efficiently and with the highest level of professionalism. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: ME
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:
On XX/XX/, my identity was stolen to open a credit card with XXXX XXXX. A credit inquiry was made on my credit report which is how I found out. I contacted XXXX regarding the fraudulent credit inquiry and the fraudulent opening of a credit card in my name and requested it be closed. XXXX XXXX indicated they have closed the account. 
I wish my credit report be cleaned of this fraudulent inquiry.

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 2022-12-08
Company: Bread Financial Holdings, Inc.
State: CT
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:
I opened a dispute with Comenity Capital Bank on XX/XX/22. I recently received an incredibly vague letter from them on XX/XX/22 referencing the dispute in question. However, they failed to provide me with the Dispute ID associated with the investigation. I immediately reached out on XX/XX/22 to request this Dispute ID. It is now XX/XX/22, a full XXXX days after I initially requested the information and they have been giving me the run-around, even after multiple follow-ups. This is unacceptable. I need this information to track the progress of or provide evidence for the dispute. They keep telling me to call, but it was a failure on their part not to include it in the original letter, and I really dont want to sit on the phone for hours on end just to receive a piece of information they should have sent me. I have included a copy of the letter and sampling of the responses provided to me by Comenity Capital Banks XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: ACIMA CREDIT, LLC
State: IN
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:
This company has reported on my consumer report that I did not pay them. I filed a police report because I did not receive the product ( tires ) that was initially financed. I sent them the police report and they still have yet to remove this account from my consumer report. I feel like I am being taken advantage of because I did not benefit from this transaction. I never received any product from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have requested Validation from Portfolio Recovery Associates. They have failed to provide it. I asked in writing that they stop contacting me. They continue to mail me the same notice roughly weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: Personal information incorrect

Complaint:
I am writing to address the fraudulent personal information linked to my identity. I have discovered accounts and transactions that were falsely attributed to me without my knowledge or consent, causing significant distress and concern. I want to emphasize that I am a victim of identity theft and have taken immediate steps to report the incident. It is of utmost importance to rectify this situation promptly, as it has had a severe negative impact on both my financial well-being and personal reputation. I kindly request your full cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into the matter. I am prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I called in on XX/XX/XXXX requesting an investigation on a bankruptcy on my credit report. XXXX started the investigation and put a security freeze on my account. 30 days has past and the investigation hasn't been completed nor has a letter been mailed out telling me that they needed more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: NY
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:
On or about XX/XX/2020, I submitted a dispute letter disputing information on my credit report to Equifax. Then, on or about XX/XX/2020, I submitted another dispute letter disputing the information on my credit report that was not resolved in my opinion. Finally, on or about XX/XX/2020, I submitted a dispute letter disputing the results of the investigations. I had supporting documents from the company they said that they received the information from. It was a third party company called XXXX. I contacted XXXX, they said that they did not have ANY information on me. I also contacted the court who also was to have supplied information about me. The court DOES NOT supply any information to credit reporting bureaus. I do not feel that Equifax resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Aargon Agency, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ORIGINAL COMPLAINT FILED XX/XX/22 ; NO RESPONSE UNTIL XX/XX/22 ; DID NOT PROVIDE SIGNED TRACKING PROOF CONFIRMING THAT I RECEIVED A VALIDATION NOTICE PRIOR TO REPORTING TO MY CONSUMER CREDIT REPORT AS I REQUESTED. ONLY STATING THAT YOU DID WITHOUT THE REQUIRED PROOF OF TRACKING INFO, ORIGINAL SIGNED CONTRACT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS UNDER THE FDCPA.

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 2021-04-12
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: The CMI Group, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collector, Credit Management , LP, never notified me in writing, nor delivered a telephone call or voicemail when issuing an intentionally damaging claim on my credit report. They claim it was on behalf of XXXX XXXX, MN, who never gave me written notice or telephone notice of a debt. They never returned a call and had no idea why I was issued a debt nor sent to collections. 

I never received any notice other than a negative notification by XXXX.It was XXXX bank who were able to get me the number of the misconduct filled collector. I have also never received a receipt from them over two months after they promised full payment would guarantee removal from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, I have made multiple attempts obtaining my Equifax consumer report online, only to be blocked from receiving it. When I advise company of issue they seem to place blame on website issue. I have not seen my equifax report since in last 2 years due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: DE
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:
My consumer report shows a late payment on an account that I was never late on. It is the consumer reporting agencies ' responsibility to report consumer information to the best of their ability. They assumed a vital role to do so with maximum accuracy. I have NEVER been late on payments for the account : 1. XXXX XXXX XXXX Open Date : XX/XX/ 2022 Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo may be trying to scam American 's out of their money by creating false overdrafts. Why is the available account balance not shown at the time of each charge on statements? I call and they say something like, well I can't see what that balance was when you made that purchase. Charges had already showed as pending, adjusted my available balance, and future purchases were made after reviewing that balance, every time! Something is up here, they could be trying to bank on the fact that people won't complain due to pandemic difficulties and the fact that many didn't " work '' for the money. Bank blames it on retailer, retailer blames it on bank. 

Then they keep changing what the statement looks like. How did a charge from XXXX get divided in half! Weird, possibly criminal. Something is up, the fact that the statement changes and does not show available balance changes is suspect. 

The call to Wells Fargo Customer service was the last straw, the person tried to act like I am unable to see numbers and do math, as they quoted me some bunk math explanation.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My consumer report shows a late payment on an account that I was never late on. It is the consumer reporting agencies ' responsibility to report consumer information to the best of their ability. They assumed a vital role to do so with maximum accuracy. I have NEVER been late on payments for the account : 1. XXXX XXXX XXXX Open Date : XX/XX/2022 Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be.

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 2018-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
On XXXX XXXX, I called Capital One to advise I would be submitting a payment for {$80.00} to keep my account current. The representative said she would note the account. I paid the {$80.00} and it was credited to my account. Towards the end of XXXX going into XXXX, I got an alert saying on my credit report, that Capital One had reported it 30 days late with a past due amount of {$3.00}. I immediately got on the live chat with someone to advise of the call I made and that the rep did not tell me any different when I said {$80.00}. They did not tell me {$83.00} was the correct amount. Because I would have paid {$3.00} more. The rep on the chat advise he would have it investigated and corrected. I never heard anything from Capital One so I assumed it was corrected. I pulled my credit report again and it was still showing, so I disputed it with all 3 bureau and Capital One is still coming back saying it was 30 days late and this 1 late payment has ruined my credit because they failed to report the account was not 30 days late. Capital One need to contact all credit bureau to advise that the account was not 30 days late as I was not advised to pay {$83.00} when I called to let them know I would be paying {$80.00}. All of this is happening over a {$3.00} discrepancy and misinformation that was given to me. Please have my credit report corrected as soon as possible as I never had any problems with Capital One. I can not believe this has ruined my credit over a so called {$3.00} past due amount when I made the payment for {$80.00} as advised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX offered loan modification for Cares Act/COVID-19 Forbearance at the time I applied. At the end of the forbearance, I resumed monthly mortgage payments, per BoAs direction, while the modification agreement was prepared. The deferred mortgage payments totaled approcimtely $ XXXX. When I received the modification, I mailed in the signed forms, with USPS tracking. XXXX claimed to have lost the modification forms. I provided delivery receipts for the signed modifications. XXXX directed I continue mortgage payments while new modifications were being processed. I continued to make all monthly mortgage payments. BoA then sent me a XXXX XXXX  XXXX. After some discussion with BoA, I signed and mailed in the second mod. Again, XXXX claimed they did not receive the forms. 

XXXX then transferred the mortgage to a secondary lender, Carringtons Mortgage Services. I contacted CMS, provided CMS the history of the attempted modification agreements with BoA, and my history on continuous mortgage payments following end of the covid-19 forbearance period. CMS accepted one monthly mortgage payment and confirmed they would research my history with the BoA. CMS then stopped accepting mortgage payments and initiated default on XX/XX/2023. The default lists fees, interest, and expense in excess of $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: NJ
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2019-09-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV COLLECTIONS. 
{$300.00} credit limit This company is doubled the amount I don not understand why they doubled the amount. They continue to state on my credit report that I keep missing payments. I've done research on this company ... .and doesn't look like it's a credible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off a vehicle with Santander XX/XX/XXXX, I submitted a request through the dealership XXXX XXXX-XXXX, Florida for refund of GAP insurance on XX/XX/XXXX, I never received the refund. In XX/XX/XXXX, I contacted the dealership and I requested the refund again, was given two different numbers to call. Contacted Santander again and their company called XXXX, I sent in the requested documents on XX/XX/XXXX. Still no response I resubmitted the request again on XX/XX/XXXX, I received a letter from XXXX that states the refund would be issued by Santander in 90 days to check back XX/XX/XXXX. I spoke with a representative at XXXX today and was told if refund is approved it would have a cancellation date of XX/XX/XXXX instead of the original date the loan was paid off in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
my complaint is about Hunter Warfield. I am disputing the accuracy of this debt with XXXX. I submitted the dispute on XX/XX/2021 and the collector should have been notified by now that it is in dispute. However, I am still receiving daily calls in an attempt to collect the debt even though it is still in process with the dispute! This should be illegal and I am willing to take legal action against this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation