BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
1. XXXX XXXX delivered by USPS informed mail delivery, Chase letter with checking acct. ending XXXX, with Business debit card ending XXXX, Good thru XX/XX/XXXX, with my name printed on " card twice '', which no other banks do this. 
I NEVER OPENED ANY ACCOUNT WITH CHASE NOR DO I HAVE A BUSINESS. 

2. XXXX, & saw article by XXXX XXXX XXXX XXXX XXXX XXXX, " Police Warn Residents about Chase Bank Scam ''. 

3. XX/XX/XXXX XXXX, went to XXXX XXXX XXXX Police Dept . and spoke with Senior Police XXXX XXXX. Justice about what happened, filed report. 
XXXX called Chase Debit card Letter Customer service number XXXX XXXX, spoke to Ris explained NEVER OPENED ANY ACCT. She said the acct. would be closed & I would be sent a packet to fill out & return with police report. 
4. XX/XX/XXXX went to local Chase Bank XXXX XXXX XXXX XXXX VA to make sure this " fraudulent account '' was closed and to see someone in person. Spoke with XXXX XXXX he checked acct online and stated it was closed. We showed him per USPS informed deliver there was another Chase letter from a different address coming to our mailbox. 
Chase letter dated XX/XX/XXXX stated " Important to protect against potential fraud '' we restricted your account ending in XXXX and may close it soon ''. 
I NEVER APPLIED FOR SUCH ACCT. 
XXXX called XXXX to report " fraud '' concerning Chase Bank XXXX to XXXX XXXX XXXX , placed a 1 yr fraud alert with all 3 credit bureaus. 
I checked my credit report and it showed JPMCB-XXXX & JPMCB-XXXX inquiry dates XX/XX/XXXX . 
5. XX/XX/XXXX Another Chase letter, " Action needed : " Please call us about your online account access, We locked your online acct access to protect you '', to call XXXX XXXX ( I DID NOT CALL THIS NUMBER ). 
6. XX/XX/XXXX Packet came dated XX/XX/XXXX from Chase XXXX XXXX XXXX XXXX XXXX " to provide information about your claim ''. To fax or mail info within 10 days. 
Fax XXXX XXXX XXXX. I went to Chase Bank XXXX XXXX XXXX XXXX XXXX and had Bank Manager XXXX XXXX XXXX fax my information from that location. 
8. Today XX/XX/XXXX we received 2nd Packet letter from Chase " to provide information about your claim ''. I decided to file a complaint to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The vehicle I had a loan on with Capital One was deemed a total loss by my insurance company ( XXXX ). Capital One marked that loan as a charge off when it was not. I followed all the procedures in the title procurement process that coincides with a vehicle being totaled out. They gave a letter of guarantee to my insurance company for the balance requested to pay off the loan. It was marked on my credit report as a charge off in XXXX of XXXX ( date of loss was XX/XX/2021 ) I received my payment XX/XX/2021 and XXXX did not pay them until XX/XX/2021. Upon which they kept the status of a charge off and then marked it as a " paid-charge off ''. This account should not have been marked as a charge off at all and even if they got the payment late they could have at least corrected their mistake then and marked it as a paid-satisfactory account. This mark has significantly affected my credit as well as making it very difficult to get another vehicle which I still have yet to be able to do since the accident. I would like this fixed immediately as getting the payment from my insurance company for the vehicle payoff was out of my hands to control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
State: TN
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/XXXX, a vender " XXXX '' attempted to refund a purchase of {$150.00} to my Wells Fargo Debit card. However, I had closed all my accounts with Wells Fargo in XXXX of XXXX. Rather than rejecting the refund, as apparently is Wells Fargo policy, Wells Fargo accepted the refund and " took '' the money from XXXX. I attach verification from XXXX that Wells Fargo accepted the refund. 

I reached out to Wells Fargo 6 times and received the following answers from various people : - " The money is floating around our system, and there's no way I can access it. '' - " It's impossible that the refund was accepted by our bank. '' - " I can not pull up your accounts because you closed them in XXXX. '' - " I can see the transaction, but we need to wait 2-3 business days for it to bounce back to XXXX. '' - " I can not even see the transaction on our end. XXXX  must be mistaken. '' I have reached out to XXXX multiple times, and each time they assure me they have not received the funds back from Wells Fargo. As far as I am concerned, Wells Fargo stole my money. 

Also, Wells Fargo repeatedly refused to communicate with me in writing. I was hung up on multiple times. I was told all my calls were recorded, but that I could not have access to those recordings. These practices reek of deception and deniability.

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 2023-06-25
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am writing to bring to your attention a series of incidents involving TitleMax, which have resulted in multiple violations of the Equal Credit Opportunity Act ( ECOA ) and unfair loan practices. I would appreciate it if you could forward this complaint to the appropriate department for investigation and resolution. 

On XX/XX/XXXX, I took out an initial loan from TitleMax. At that time, I specifically requested a change in the due date to the XXXX of each month, as agreed upon with an in-store representative. However, despite this agreement, TitleMax failed to make the necessary adjustment, resulting in overpriced interest charges on the loan. 

In an attempt to rectify the situation, on an unspecified date, I made a larger payment of {$800.00} towards the loan. I explicitly requested that the remainder of the payment be applied to the principal balance. Regrettably, TitleMax disregarded my request and instead applied the payment as an additional interest payment, further exacerbating the financial burden imposed upon me. 

Recognizing the need for a change in the payment date, I contacted TitleMax on XX/XX/XXXX, requesting that the due date be shifted from the XXXX of each month to the XXXX. To my surprise, I was informed by a female representative at the store that I would need to refinance the loan to make this change. She directed me to go online to initiate the refinancing process. In compliance with her instructions, I made an additional payment of {$600.00} to complete the loan refinancing, expecting to achieve the desired due date change. Unfortunately, the result of this transaction was a due date set once again for the XXXX of each month. 

In an attempt to gain clarity and obtain copies of both the previous and new loan documents, I visited the TitleMax store on XX/XX/XXXX. To my dismay, the same female representative who had previously instructed me to refinance the loan denied my request for loan documents, preventing me from fully understanding the terms and conditions of my loans. 

These events have left me significantly disadvantaged, both financially and in terms of my rights as a borrower. I firmly believe that TitleMax 's actions constitute violations of the ECOA and unfair loan practices, as they have consistently failed to honor agreed-upon due date changes, misapplied payments to the detriment of principal reduction, and denied access to loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: AL
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:
15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A 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 an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Trident Asset Management, L.L.C.
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:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuit 15 USC 1681b 2 company has also no permission to report anything using my info pursuant to 15usc 1681 4

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: RI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-03
Company: Experian Information Solutions Inc.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-03
Company: Radius Global Solutions LLC
State: VA
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: Problem with personal statement of dispute

Complaint:
I have disputed this account multiple times as it is a collection agency collecting on a debt and I do not owe the debt to them as there are no contracts or agreements stating such with me and the actual collection agency ; The debt was sold but I never agreed to such. Please remove from my credit file immediately as this is affecting my livelihood.

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 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
XXXX5 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 166B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Letters and Phone Calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy.

15 usc 1681 section 604 a section 2 It Also states a consumer reporting agency can not furnish a account without written instructions. 

15 usc 1666B a creditor may not treat payment on a credit card account under and open end consumer credit plan as A late purpose.

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 2023-06-26
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I was told by First Merit Bank ( now Huntington Bank ) the loan ( XXXX ) was written off due to bank acquisition errors in account transfers and could not find the owner of the loan. 

In XXXX I was told by First Merit Bank XXXX now Huntington Bank ) my loan was written off due to bank acquisition errors in account transfers and could not find the owner of the loan. 


Collateral used on the loan was released by the bank and has since been sold. 

In the process of taking out a home equity loan, through a title search, it was discovered that F & M bank ( now Huntington Bank ) show having a lien on my property as a mortgage. Clearly on the promissory note attached you can the home was not used as collateral. 

Nothing on this loan appears on my credit report, nor have I been contacted by Huntington Bank or First Merit Bank to collect on this debt. 

I contacted Huntington upon the information provided by the bank I am using to secure HELOC. The information I received shows Huntington Bank ( from F & M acquisition ) holds a mortgage on my home. 

9 years later, Huntington Bank provided the original loan paperwork ( attached ) showing the collateral used to secure the loan and which show the final payment in XX/XX/XXXX. 

In the paperwork Huntington Bank supplied me, a XXXX XXXX XXXX, XXXX XXXX XXXX and a XXXX XXXX travel trailer were used as collateral. 

I thought this matter was settled back in XXXX based upon conversations with First Merit when they said it was written off. See the attached notes on the linage of my loan and you can see all the conversion I had on this starting in XXXX XXXX with names and phone numbers. 

When I requested a report of all payments made on this loan, they sent me the attached document. The sheet only has 5-line items, starting XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX. Clearly you can see that they acknowledge on XX/XX/XXXX, the load was charged off. Also, in XXXX, XXXX XXXX and XXXX XXXX at First Merit referred that the loan was written off and no action was required from me. 

How could Huntington get this filed as a mortgage with the promissory not clearly shows the home was not used as collateral? 

How can they come back after such a lengthy period? They have made no effort to contact me the past 9 years as only now that I asked them to remove this, they are perusing it. From the payment history they sent, no entries were made after XXXX. 

I did submit a complaint to the Office of the Comptroller of the Currency, case XXXX, and they said I need to work with XXXX XXXX XXXX XXXX. 

How do I get Huntington National Bank to acknowledge that this was written off and that they need to remove the lien on our property? 

I have attached all correspondence and documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: LEXISNEXIS
State: LA
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:
According to my understanding of the Fair Credit Reporting Act ( FCRA ) and the bankruptcy reporting process, it has come to my attention that bankruptcy courts do not directly report bankruptcy filings to credit reporting agencies. 

As a diligent consumer, I have taken the necessary steps to review my credit report, and I was surprised to find a bankruptcy entry listed on it. I have thoroughly researched the bankruptcy reporting process and found that it is the responsibility of creditors, not the bankruptcy courts, to report bankruptcy information to credit reporting agencies. The bankruptcy courts themselves do not provide such information directly to credit reporting agencies. 

Given this information, I kindly request that you investigate the validity of the bankruptcy entry on my consumer report and provide a detailed explanation of its source. If the source is a bankruptcy court, I would appreciate evidence of the court 's reporting to credit reporting agencies, as this would be contrary to my understanding of the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last year I lost my social security card, suffered identity theft, money was stolen from my bank account, unauthorized charges appear on 2 of my credit cards, 4 hard inquirys I never asked, card was opened fraudulently, they tried to steal my tax return and took out loans in my name, now a collection for a card I've never seen in my life XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Date XX/XX/2022 I took out a auto loan with Bridge crest formerly for only 25 month term I am writing you to request an investigation of the following information that appears on my credit report. 

Dispute 1 Explanation of the item being disputed. the auto loan was only supposed to be for 24 months. And is now updated on my credit report showing a 72 month term. And this account is now showing as a closed account. 


Enclosures : I am requesting documents stating that my lease was renewed with your company. For a 72 month term. If you can not provide me with legal proof of my authorization, then I am demanding you contact the XXXX, XXXX AND request them to remove this immediately. Your failure to comply with my request within 30 business days will be evidence of your willful compliance Fcra 616, 15 USC THANK YOU FOR YOUR attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year I was notified that I had a debt from best buy/city bank regarding a debt that I hadn't paid. However, I had never made an account under the city bank or best buy. Then When I tried contacting them for an invoice or proof of purchase, they were unable to provide that information.

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 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today Saturday XX/XX/2022, I checked my credit report for XXXX to find out an account using my social security number has been opened for Capital One 360, and I did not open any new accounts using my social security number with Capital One 360 ever. I have received security alerts that my social security number has been compromised and this action appears to be the result of this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 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 an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation