BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, Chase Bank allowed a transfer from savings to checking in amount of {$60000.00}. On the same day a fake check was written forged and cashed in the amount of {$57000.00}. This check was processed at CHASE BANK. I was not notified about this transaction nor was my Mom and we had a limit set on the account. This check was dated for XXXX. Please note the DATE of the check. 
On XX/XX/2021 another phone transfer occurred in the amount of {$20000.00}. There was a second fake forged check processed by CHASE BANK on the same day in the amount of {$22000.00}. 
On XX/XX/XXXX I noticed when I went to pay my bills that I had minimal funds in both my checking and savings account. I notified Chase Band immediately who then contacted claims and directed me to file a police report. I filed my police report on XX/XX/2021 and have been trying to work with Chase to get my funds returned ever since. 
The representative from Chase Bank ( local branch ) from the beginning said I would have funds in 3-5 days. It is 21 days since I contacted them and they now are saying that this situation was beyond THEIR control at the local level. Now the XXXX XXXX, that has just seen the case states that it could be XXXX days, that I can not get my insured money returned until they have gotten the money back. It has only been this week that we were told it was escalated to the level of the XXXX XXXX ( XXXX XXXX XXXX XXXX ). Now we were told it could be longer. 
I can not wait that long! This was all of my savings!! I have rent, car payment, credit card bills to make. I am working as a XXXX / XXXX XXXX XXXX and in school. This has been so stressful and it is the bank that allowed these transactions to happen. The bank that I trusted with my hard earned money violated my trust. 
This should have been prioritized from the very beginning! It took two weeks of being dragged along at the branch level before they presented this to the escalation committee. 
Where is the concern for my welfare?? My cash is gone! How am I to hang on for another 3 months before this is resolved. Does the consumer/ customer have any rights at Chase Bank . PLEASE represent me and my consumer rights with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-08
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Alleging I owe on a XXXX phone bill, however I 've never had said lines. None of the lines had any usage and that is suspicious. I 've had XXXX for over 10 years. Sent me paperwork with my name on it when I requested validation, could have been forged. Nothing with my signature was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX , TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX  XXXX XXXX  XXXX Fl XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX : My only telephone is : Telephone : XXXX I do not wish to have any other telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX. 
1 of 2 post office, and they are not reportable as per the FCRA since they are inaccurate. 
Sincerely, 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 2021-09-14
Company: Lending Club Corp
State: NV
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:
I notice that there is 12 inquiries on all three credit bureaus that I do not recognize please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the following accounts was never authorized to report on my credit, and is hurting me : Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received an email today at XXXX from XXXX XXXX XXXX with the subject line " ARREST WARRANT FINAL NOTICE_URGENT ATTENTION ''. The email goes on to day that a lawsuit will be filed against me in the next 24 hours with a District Court in Florida which is not even the state that I reside in FYI. They claimed they have tried to contact me but I have yet to received some official communication in writing via mail. The email also mentions " If we don't receive any response from your side today, your case file will be downloaded automatically against you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
Santander USA purposely exposed my partner and me to an egregiously high-interest rate and loan repayment on a late model vehicle. When I became sick with a rapidly advancing XXXX two-years after the loan repayment schedule began, I requested the loan be leveraged and the vehicle returned to Santander to avoid repossession. Santander refused to allow me to return the vehicle and instead illegally repossessed it from the garage of our home which sits on private property. 

I was left without a vehicle and Santander quietly began harassing us for repayment. At the time, due to my illness, I was unaware that Santander had a class-action suit against them for abusive and aggressive lending practices to vulnerable populations such as those earning lower wages, minority communities, the elderly, etc. Just last year a collection agency stating they were working on behalf of Santander, began contacting us stating they would take a partial payment and cancel the remaining debt. Eventhough I was still recovering and needed one more operation, we scraped together the monies, totaling nearly {$6000.00}! All three major credit bureaus still are reporting excessive amounts due and that the account is written off. 

We were promised this debt would be settled and removed. It has not and Santander states they refuse to remove it. They are reporting all types of monies due from $ XXXX to $ XXXX, depending on the credit report. Even if I look on XXXX XXXX the amount due is different than what each individual bureau reports it to be : XXXX  - {$35000.00} reported as total due as of XX/XX/XXXX XXXX - {$37000.00} reported as total due as of XX/XX/XXXX XXXX - {$25000.00} reported as total due as of XX/XX/XXXX Several attempts have been made through the 3 major credit bureaus to rectify and/or remove this erroneous data! How could we owe {$10000.00} ( +- ) on the exact same day? I was humiliated while nearly sick unto death. We asked Santander, under the right to cancel the loan due to illness or death, to return the car due to XXXX under the terms of our agreement, but Santander refused! I tried reaching out early on to ask for support to keep the car for our family 's needs but finally had to concede to request to return the vehicle as they refused any changes to the contract - even legitimate ones! The court has found Santander guilty of excessive interest loans and we are proof of that. We joined the class action suit against them in effort to rectify this matter! Our auto loan was over {$1000.00} per month! So we could not possibly owe the funds they claim as Santander USA knew we were vulnerable because of my XXXX! Please reinforce fair credit practices and make them remove these ridiculous, excessive and cutthroat charges from my credit profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was denied an apartment with XXXX XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX based on a decision from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX gathered their alleged information from XXXX XXXX.credit Bureau that the information pulled from was TransUnion. On XX/XX/XXXX I  placed a suppression and freeze on all XXXX XXXX files. 
Due to suppression/freeze placed on files this erroneous information should never have been reported which in part led to my application being denied.

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 2022-08-08
Company: Experian Information Solutions 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:
At the beginning of this year 2022 I have been sending disputes and studying my rights as a consumer. I have sent multiple letters to EXPERIAN but eighter they respond with a generic letter stating everything is accurate or they never respond. 

But accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

15 USC 1681b- Please provide my written instructions that granted you permission to furnish my consumer report to the below creditors ; XXXX XXXX Account # XXXX -XXXX Account # XXXX -XXXX XXXX XXXX Account # XXXX -XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX -XXXX  XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2021-04-12
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When working on preparing documents for a closing, we contacted our assigned banker at Quicken Loans ( rocket mortgage ) about what documents we needed to sign in order to get our clear to close done. Throughout the process, from the time we first started the mortgage application in XX/XX/XXXX, toXX/XX/XXXX when we put an offer in on our condo, to signing the the documents along with that condo onXX/XX/XXXX to have all paperwork line up with the condo address, we were never told during any point that our rate was what it was due to buying down points. At several points in several conversations, we specifically asked our banker at Quicken Loans/Rocket Mortgage what fees will we owe them outside of the writing and processing fees ( {$1200.00} ) and were told time and time again there would not nothing outside of our monthly mortgage. Fast forward a month and a half toXX/XX/XXXX, we are at the closing table with our lawyer, who notices that we apparently bought down points to bring our APR from 3.99 to 2.99 for the cost of {$5600.00}. This is a cost we were not aware of because it was never brought to our attention, despite asking multiple times. When we tried contacting Quicken to have them explain this, the banker ( after were bounced around for an hour on the phone to four different people being told nothing could be done ), claimed it was in the paperwork. When we asked at what point did he tell us about how interest rate options, he said he " didn't remember the conversation. '' After another twenty minutes of talking on the phone and getting nowhere, we were told there was nothing they could do. Our real estate attorney even pointed out that it was " shady '' that an experienced banker would not point out these fees to first time home buyers. Our options were to walk away from the table and lose the home we wanted, or pay the money. So we paid the money to secure our home. 

After closing and reaching out to Quicken about this, we were told we should have not closed, and waited to resolve the issue that day itself, because it would be harder to handle now that we paid, but the customer relations person would do their best. After a week of explaining what happened to numerous people, the customer service person called us and explained that the banker is a great guy and they'll use our story to teach others of this, which is of no use to my family who was manipulated out of XXXX. As first time home buyers, we read every document and asked questions, and all questions pointed to the documents being okay when answered by Quicken. When asked what could be done to help us, we were told nothing, and were almost laughed at on the phone. I never want any other family to go through this. The buying points down charge was over 25 % of our closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid a payment to capital one credit card on XX/XX/XXXX in the amount of {$190.00} from my XXXX XXXX XXXX debit card. On XX/XX/XXXX the payment posted to capital one account. On XX/XX/XXXX it posted to my XXXX debit account. Then in XX/XX/XXXX I checked my capital one account and saw they did a payment adjustment for the {$190.00} on my account saying I owed it to them again. I contacted XXXX and they said it posted. Capital one said it didnt. OnXX/XX/XXXX I did a three way call with a XXXX rep and a capital one rep. They both opened claims in their investigation depts and gave me temporary credits because they both agree this was strange and the payment should have posted on capital ones end. On XX/XX/XXXX XXXX reversed the temporary credit saying the investigation found XXXX not at fault. XX/XX/XXXX Capital one closed their investigation saying they are not at fault. I reopened both claims Again on both companys and once again I was denied by both companies saying they are not at fault. I have sent capital one a letter from XXXX with their heading at the top of the page and a copy of my statement with my name and everything on it showing that payment posted. Capital One still cant find fault on their end and I dont know what else to do. I have provided proof that the payment posted. I need capital one to post the payment and leave it alone. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16
Company: SANTANDER HOLDINGS USA, INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Date : XX/XX/XXXX Re : Santander Consumers, USA Today, I made a payment toward my car note and it covered XXXX payments that was legitimately past due. The amount processed totaled {$1200.00} plus an convenience fee. I called the regarding loan company after payment processed on today, to ensure that I will be able to get late payment removed as verbally promised from employee # XXXX on XX/XX/XXXX. 

When I called today, I spoke with employee # XXXX ( XXXX ) regarding the payment update and she basically denied all of my request for " letter submission '' because as she stated " Good-will is not something that they consider from consumers. '' I explained that the late payments reports are inconsistent on my credit report, but she still denied assistance. Therefore, I asked if this denial is in writing or in the contract ( s ) so I can refer to it, respectfully. She said it is not in writing and I will hear the same denial from all of the customer service reps. Since the conversation and assistance was getting no where, so I requested to speak with a supervisor. Employee # XXXX refused to transfer and proceeded to " not hear me ''. Soon after, she disconnected. 

I am writing this complaint because I strongly feel like the following examples of my rights were abused : XXXX False or misleading representation 1. ) 15 U.S.C. 1692e 2. ) 15 U.S.C 1681f > Unfair practices : 1. ) 15 U.S.C 1692f >Harassment or abuse : 1. ) 15 U.S.C 1692d, Line 5

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, 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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX is reporting two accounts for the same auto loan which is a violation of the FCRA. They have the responsibility of reporting the correct information to the Bureaus. I have sent them letters and they refuse to correct this misinformation which is hurting my credit rating. 

The first alleged account states that it was opened XX/XX/XXXX with no recent balance reported. Status Transferred closed XX/XX/XXXX. 

The second alleged account states that it was opened XX/XX/XXXX with a recent balance reported of {$9200.00}. Status {$8600.00} was Charged off XX/XX/XXXX. 

None of the information reported makes any sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: American Debt Consolidation
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I contacted an agency called American Debt Consolidation. A man answered the phone and gave me options for helping my loan. He told me that I would do income driven repayment plan. He had me sign a digital contract and then told me not to pay my normal student loan provider XXXX. He then had me transferred to XXXX XXXX for consolidation purposes. I was confused but continued with the process. This place told me I would pay two payments of {$230.00} before my loans would be readjusted to {$200.00} a month. They had me send in my tax returns to prove my employment and also told me not to file taxes until they heard from me. I had two payments taken from my account and was never contacted. It is now XX/XX/XXXX and they still have not contacted me. I tried contacting them and there is never an answer from either business.

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 2018-05-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I and my son purchased a 36 month lease from Ally Bank on a new XXXX XXXX on XX/XX/XXXX. We also purchased the Lease Protect insurance for damages and excess mileage. In the 1st year, the car was badly scratched and we decided to have it professionally repaired as it was an eyesore. The repair job was adequate and not noticeable. We returned the vehicle at the end of the lease in XX/XX/XXXX glad we had the damage insurance because there were some additional scratches we decided not to fix. 

Much to our surprise, Ally Bank sent us a bill for {$390.00} with no reason or details about what the charge was for. I figured they didn't realize that we had the damage insurance, so I sent them a copy of the receipt. They proceeded to send another bill. I called them and talked to an agent. She informed me that the bill was for improper repair. I told her we had the repair done at a professional shop, and she said it would only be waived if the repair was done at a XXXX approved dealership. Since I did not have it done at XXXX, I could not get the waiver. 

Instead I asked for proof that the repair was done improperly. I wanted some sort of independent auto inspector to make the decision. Ally gave me no proof and no means to verify their claim. What they did give me was another bill in the mail and threats to notify the credit agencies. I just received notice that my and my son 's credit scores are now significantly lower because of the negative report. 

They want me to just pay the {$390.00} even though they won't give me any proof that I really owe it. I'm not going to just roll over and pay. Ally Bank needs to be held accountable and show proof.

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 2021-05-04
Company: Galaxy Capital Acquisitions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES, PERSONAL LOAN UNDER MY NAME XXXX # XXXX ... XXXX XXXX XXXX # XXXX. 
XXXX # XXXX ... XXXX XXXX # # XXXX XXXX XXXX # XXXX.,, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation