BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
AMERICAN EXPRESS has violated my consumer rights and has caused great harm to my reputation, my character, and my mode of living which has caused XXXX XXXX and XXXX XXXX. They claim that there are laws that allow them to violate my consumer rights however have not cited any such laws in any of their responses to my notices. Here are some of the federal laws they have broken. 
15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 6801 ( b ) ( 1 ) to insure the security and confidentiality of customer records and information 15 U.S. Code 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 6802 ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

See Attachment for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
It was not brought to my attention that Chase Bank was refunding NSF fees until XXXX of this year. It turns out, they issued a press release in XX/XX/XXXX that while they *were not stopping the practice of charging the fees* they would reverse the charges should a customer call. Since this information was brought to my attention I have called Chase repeatedly to work on getting over {$7000.00} ( XXXX XXXX Dollars ) in NSF fees reversed that have been charged to me since the beginning of the pandemic. I have explained the nature of my income loss that was Covid related and I was able to get many fees refunded. However, in my latest attempt to get XXXX  fees ( charged between XX/XX/XXXX and XX/XX/XXXX ) refunded totaling {$1100.00} Chase told me it was too late, that I should have called sooner. I couldnt have called sooner, I didnt know this was even an option. Chase did not send a letter, a message to my account from their secure message center or ANY OTHER type of correspondence that would have led me to, in a timely fashion, reach out to get my money back. Instead of issuing a press release that only people who stumble upon would read, Chase could have 1 ) Paused the charge of these {$34.00} fees during the pandemic OR 2 ) Notified their customers that they were offering refunds of these fees for Covid-19 related hardships. I have made 11 calls in the last 8 days to get this escalated. Only today after being given the run around for over a week that " you should see the reversal of fees credtied in your account in 1-2 business days '' was I told " Your request for a refund was denied and there is nothing else we can do '' What we can do is go back to these phone calls ( since they are all recorded ) to find out why I was told this was " in process '' and should be " reflected in my account any day ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX REQUESTED ON XX/XX/2020, XX/XX/2020 XXXX  XXXX  XXXX VIA XXXX XXXX REQUESTED XX/XX/2020 HXXXX XXXX XXXXL VIA XXXX XXXX XXXX REQUESTED XX/XX/2020 I HAVE NEVER DONE BUSINESS WITH THE COMPANIES LISTED ABOVE, DIRECTLY NOR INDIRECTLY .I LIVE IN FLORIDA WHICH I IS REFLECTED ON MY 2 CREDIT REPORTS ( WHICH XXXX  WOULD NOT LET ME REQUEST ) ACCOUNT HOWEVER I AM NOT AWARE I HAVE MADE A COMPLAINT AND I WILL BE CALLING DIRECTLY IT WAS PREVENTING ME FROM GETTING PROPER HOUSING. MY NAME IS XXXX XXXX PLEASE REMOVE ALL THE MIS SPELLING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have requested that Chime Bank close my checking account, because it was compromised by a hacker, who has constantly changed the email address and phone number to the account and has stolen my funds and made bogus purchases with merchants. The bank has granted by request XX/XX/XXXX and the hacker had it re-opened on XX/XX/XXXX and I immediately reported it. On XX/XX/XXXX, I requested again to close the account and the agent told me I had to wait five business days for it to take place, but has not been done. On XX/XX/XXXX, I made the request again and I have to wait for twenty-four hours for them to get back to me, which they haven't done yet. This bank has been giving me the run-around, since the fradulent activities started on XX/XX/XXXX and I want to distance myself from Chime, because their security protocols XXXX, even though I have been telling them how the hacker has been breaking their security protocols, but nothing has been done about it on their end. I am very disappointed in Chime and I have been their customer since the year XXXX and this is how they treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Elevate Recoveries, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THEY BREACHED HIPPA! 
I received an account on my report through Elevate Recoveries LLC with no written notice, phone call, or anything about the account. Not only this, they have information that I never gave permission to have released through HIPPA. This is unacceptable, not only was there a failure to file a written notice they breached my write to privacy through healthcare. If the account isnt removed I will take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I set up automatic payments that were set to begin in XXXX, but the company did not draw the funds from my bank account. Thus creating a past-due account and now requesting that I pay XXXX 's payment and XXXX 's payment with no other option. I submitted those two months of payments on XXXX XXXX to avoid delinquency. On XXXX XXXX and XXXX, the payment was reversed by Edfinancial. After online research, it appears the company is intentionally trying to manufacturer late payments for customers.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
- XX/XX/XXXX received notice from a lender because of form IRS XXXX- pursuit lending notified had outstanding balance of XXXX with IRS - XX/XX/XXXX researched that evening and knew I had paid and found out on XX/XX/XXXX chase improperly withdrew funds and paid XXXX XXXX and endorsed to an individual called XXXX XX/XX/XXXX called that evening and spoke to CHASE- told me need to fill out unauthorized endorsement and claim would not start until filled out and faxed from branch - XX/XX/XXXX filled out police report - XX/XX/XXXX Same day went to chase XXXX XXXX and emailed and faxed- confirm by team member - XX/XX/XXXX called claims did not receive- NO ANSWER same message XXXX days and 30-60 days to conclude and see what the claim will be - XX/XX/XXXX claims by phone still did not receive and suggested email from branch to supervisor and upload the file via email - XXXX on phone lso told to fax document from IRS from penalty and fees, called IRS can not do anything it is not their fault and can only fill out a document after to waive the penalty - XX/XX/XXXX phone claims received document but said missing marked check told to check the appropriate box - XXXX- Checked the right box and faxed with branch manager in in XXXX and told to fax again and I did check mark - XXXX- called again claims by phone said they saw paperwork but did not see check mark - XXXX- went to branch and had manager verify received and check marked - XXXX- spoke with chase executive services and XXXX handling case - XXXX- XXXX confirmed that claims did not receive proper documentation from XXXX- took another week until Wednesday/Thursday for XXXX to speak to branch manager XXXX - XX/XX/XXXX spoke to XXXX she confirmed on XX/XX/XXXX info was sent to XXXX XXXX but can not insure for the interest owed to the IRS said she would speak to managers and get back to me and that the case now may take 120 days to event resolve and not even guarantee funds will be retuned

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I attempted to renew my vehicle registration and was advised by the DMV that there is a hold on my registration due to a debt owed. DMV referred me to XXXX XXXX XXXX XXXX who then referred me to Professional Account Management Collection Agency. 

I was told I owe {$160.00} for a bridge toll back from XX/XX/2018. I advised them I never received any notification or bill for this. The representative confirmed this by telling me she can see in my file that the mail was returned. I confirmed my address is correct but am not sure why the mail was returned. She also confirmed that over {$120.00} of the debt owed is for fees. 

Naturally, I was appalled to learn that I am being charged over 1000 percent markup in fees for using a bridge once. I don't even recall using the bridge because I have my GPS set to avoid toll roads but even if I did, it is quite surprising and disturbing to pay {$160.00} for one toll, especially when the collection agency confirmed I did not receive any notifications or bills. I also did not receive any phone calls or voicemails. 

I asked if there was any way to reduce the amount of fees and I was told they can not reduce it in the slightest. I also tried calling XXXX XXXX XXXX XXXX directly and they were extremely rude stating because their records showed they mailed me something once almost two years ago that there was nothing that could be done. She kept directing back to the collection agency who told me they couldn't do anything either. 

Now, I am in a position where I can not register my vehicle and do not have enough money to pay the full amount. Sadly I have run into quite a few people who have told me they have or are currently experiencing the same issue. 

It is very clear XXXX XXXX XXXX XXXX as well as their collection agency are taking full advantage of customers/citizens by price gouging over 1000 % off of one toll and by putting holds on people 's vehicle registrations, forcing us into very compromising situations so they can make a profit. Where is the money going they are making in fees on a regular basis? 

The fact also still remains, as the collection agency confirmed, I never received any notice of the debt, nor did I receive a right to dispute notice or a breakdown of what I am being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax has ignored all my request and CFPB request This is my final request Asking for assistance. I have included ID and Reports and I will also include documents that were faxed to them on several occasions with the fax received receipt. and my phone number. before reporting this issue to the Attorney General of the XXXX of New Jersey. the settlement with the breach doesn't amount to the impact it causing to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IDENTITY THEFT REPORT FILED FOR THE FOLLOWING ACCOUNTS : 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 XXXXXXXX I DO NOT HAVE AN ACCOUNT OR CONTRACT WITH 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 non-monetary relief
Consumer complaint received 2020-12-27
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is a recurring issue where Paypal freezes the funds of a seller on XXXX  months after a sale and shipment. They claim the buyer has opened an unauthorized transaction complaint. Such a complaint is solely between the buyer and Paypal around the security of the Paypal account. It does not involve the seller as the seller ships an item when Paypal instructs them to. Paypal should not involve the seller when a completed shipment is evident. The seller should not lose money or have it frozen. 

Paypal engages in aiding and abetting its customers in perpetrating fraudulent transactions against sellers of goods on XXXX  and illegally seizing funds from sellers. 

I sold an item to XXXX XXXX of XXXX FL on XXXX  in late XXXX. They made their payment to me via Paypal. On XX/XX/XXXX, Paypal sent me an email saying the buyer claims the item purchase was not authorized by them. Paypal wanted me to provide them tracking information of the item, even though they have always possessed this information since the time of shipment, and i can see it on their site. Additionally the buyer should have made such a claim through ebay if their claim is legitimate, which is what paypal 's own process says to do for ebay purchases. But Paypal allows its customers to not follow the documented process. And they ask the seller for data they already possess and display. If the seller fails to respond, they lose the money automatically, even if they believe the issue is already addressed by the fact paypal already has the data. 

Paypal has seized my funds even though the item is shown as being delivered, and Paypal and ebay both originally advised me of the sale and where and to whom I was to ship to, which means it was authorized. Paypal already has all the info they request from me and can remove me from the matter, though I never should have been a party in the " dispute ''. However, they have a process in place where i would lose the money if I had failed to " respond ''. Government needs to stop this process which has many sellers have money stolen from them by paypal in conjunction with buyers committing fraud. 

I have a lot more to add to this complaint, but the form to submit only allows so many characters. Please reach out to me for more information, as this is absolutely a process that Paypal uses to assist buyers in defrauding sellers, and has refused to change their process. I have had this happen before with paypal. 

Paypal Case ID XXXX Original transaction ID XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: FL
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:
I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX - XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX  XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXXXXXX XXXX XXXXXXXX OPENED XX/XX/XXXX. 

This account was reported as ID THEFT XX/XX/XXXX. 

This account was DELETED from my report in XX/XX/XXXX. 

See attached DELETE CONFIRMATION. 

This account has RE APPEARED on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Lender Name : Wells Fargo Home Mortgage I recently read that Wells Fargo had to settle and help those effected by their inability to assist home owners in loan modifications after XXXX. I called Wells Fargo and told them I was XXXX of those effected and they said if I am, they would reach out but they have not. 
In XXXX I attempted to modify my loan and several reps failed to assist with files getting lost, reapplication and so on. Wells Fargo put my house into Foreclosure without any guidance or help. I was forced to sell my house at a lower price than worth just to regain my down payment and not lose everything entirely. During the closing they charged me enormous amount of late fees. 

Their carelessness and lack of service affected me for years and until today. If you can please help and look into this I would appreciate it.

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 2020-12-24
Company: Experian Information Solutions Inc.
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:
XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. XXXX XXXX XXXX LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XXXX/XXXX/2020. However, they are neing reported as open and past due on Experian. This resulted in my being denied housing during the pandemic by XXXX  XXXX use of an Experian credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XX/XX/2020 I will be a member of the class action above.

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 2022-11-12
Company: EQUIFAX, INC.
State: FL
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 sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, Equifax have 30 days to respond to my dispute. 

This is a violation of my rights.

Company response to consumer: Closed with explanation