BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-22
Company: Affirm Holdings, Inc
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX ( XXXX ) purchased acclaimed Debt from Affirm. 
I ordered a mattress from Affirm ( XXXX ) XXXX on their trial period before covid pandemic in XXXX XX/XX/XXXX. I had attempted canceling my purchase before the trial Period ended. Affirm offered a trial extension and I was making payments. I then canceled my interest before ( extended ) trial period ended which included a full refund owed to me. Approximately {$250.00}. Affirm claimed they could not pick up the mattress because XXXXXXXX XXXX. I then stated I was not financially responsible for the mattress, and it could not be billed since this item was canceled. Once the pandemic was over Affirm did not pick up the mattress and therefore illegally sold this alleged debt to XXXX. I had made numerous phone calls and emails to both companies and have been the victim of pass the buck refusing to remove this incorrect delinquency from my credit bureaus. 

I contacted XXXX ( Affirm ) ( XXXX ) XXXX on XXXX XX/XX/XXXX and explain this entire matter. I do not owe XXXX ( {$1200.00} ) any money because I have no financial obligations to XXXX. My XXXX purchase was canceled ( XXXX ) my previous phone calls and emails to Affirm. I sent an email to customercare @ XXXX XX/XX/XXXX only to get automated response messages and pass the buck again to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XXXX XXXX XXXX I filed the complaint detailed below. Nearly 6 months have passed & still no refund of our money that was stolen. I am told by Chase that XXXX XXXX cashed the altered check & they must agree to refund our money, but XXXX XXXX will not discuss with me since I am not their customer. I need someone to force Chase & XXXX XXXX XXXX to deal with this & get us our money. It is clear they cashed an altered check on our account. Just " checking in to see how Chase will respond '' as was done before is worthless. Please actually help us. 

" My company, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has had a checking account with Chase Bank for over 16 years. We pay most of our bills using their online bill pay service. Some payments are electronic, but for others Chase issues a paper check & mails it to the payee. On XX/XX/2022 I directed Chase to pay {$1500.00} to " The XXXX XXXX '' on our behalf. Chase issued a check. On XX/XX/2022 The XXXX XXXX ontacted me about the payment they hadn't received. I recalled seeing it cleared my account, so I went the Chase website and pulled up a copy of the cleared check. To my disappointment I saw the payee shown as " XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ''. Since we nor the Personal Touch know anyone by that name or address, I can only assume the payee was altered ( Chase 's own records show it was originally written to The Personal Touch ). I immediately reported this to Chase. I was informed that they would be sending me a " Declaration of Unauthorized Endorsement or Altered Item '', which I recieved, filled out & returned on XX/XX/2022. I was told that although it would take Chase XXXX days to recover their funds, that my account would be credited within 10 days to two weeks. In the meantime we paid The XXXX XXXX for the money that was missing ( not their fault ). On XX/XX/XXXX I realized Chase had not added the funds to our account, & after reaching a supervisor ( XXXX ) I was told we will not get the funds restored to our account until Chase gets its funds back from the bank where the check was cashed or deposited ( 90-120 days ). Chase, having issued the check, could easily have in place a system to confirm payees are not altered to avoid this risk. Chase chooses to accept this risk. We did not. A cost of accepting that risk should be that Chase bears the burden of temporary or permanent loss of funds for their reckless policy. All we are seeking is the restoration of the stolen {$1500.00} to our account. I have included documentation of what's been described, & our account activity since XX/XX/2022 so you can see the funds have not been restored. Thank you. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: Royal Pacific Funding Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I requested evaluation of my property to estimated on its value to removed MPI insurance. My mortgage company send the forms and what the fees i need to send back .I did send back the forms filled and fees $ XXXXThis will begin to process XXXX TO GET ORDER.I started this process mid XXXX. The second I receive an email from XXXX stating ( if you would like to have a XXXX COMPLETED FOR YOUR PROPERTY, PLEASE SEND WRITTEN REQUEST TO following XXXX ). This email was receive XXXXXXXXI did respond back with an account number and the following message ( I would like to order XXXX appraisal order for second time now with this written email. The first was with forms sent by my mortgage. They have been giving me false information and each time i called there no respect toward my mortgage account. All the time they give me false information on to what's going on with this order I ask for in writing and email request and fees paid for already .My property home value in my are are going around {$700000.00} AND $ XXXXIn order to removed my MPI my house appraisal has to come in around XXXX, ooo to get the MPI REMOVED.I understand completely how this works. 
Options that i had selected on the forms i sent back was OPTION 2 1.HOME IMPROVEMENTS 2. PMI can usually be canceled after your home 's value has risen enough to give you 20 % to 25 % equity in your home current value 3.GIVING DOWN A PAYMENT TO GET TO 80/20 There giving me the round about and not straight answer each time I called. Quote its being process or they don't know whets going! 

There is one more major error they committed and I'm paying for it now. I can explained when I talk to someone. I'm tire of there mistakes and one of the major reason I want my MPI removed, so I can cancel there services. Its a headache dealing with them all the time. I have never been late on any of my property payments. I know we are numbers to them but this would benefit my family if I can removed my MPI. There are no homes properties in my area less then 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 2023-04-05
Company: Experian Information Solutions Inc.
State: CA
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2023-10-24
Company: CAINE & WEINER COMPANY, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # : XXXX and XXXX  # XXXX Account name : XXXX & XXXX XXXX. # XXXX  XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Creditor XXXX XXXX XXXX XXXX agreed to settle this account for {$3500.00} in XX/XX/2022. Payment was made on XX/XX/2022 in the amount of {$3500.00} which should have satisfied the account balance and the account should be closed. Instead, XXXX XXXX used those funds to enroll me into a payment plan that i didn't agree upon ( see letter from XX/XX/2022 ). As well, payment was never late on this accounts for the months of XXXX or XX/XX/2022 because settlement agreement was made in XX/XX/2022. I have disputed with the credit bureau to correct the account or have it removed f rom my credit report. According to federal law incorrect information should not be listed on any accounts on my credit report. The credit bureau has failed to conduct a proper investigation when i disputed this directly with them, basically conducting a less than 24 hour " investigation '' by validating the debt with what they have in their computer system, but not actually contacting XXXX XXXX directly. I have also spoken to XXXX XXXX and several agencies state that I must take up the dispute with the credit bureaus directly.

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 2023-02-10
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Cross Country Mortgage. I can not get their software to work to make a payment. I have been trying for weeks. Weeks ago they told me they knew of the problem and it would be fixed. It has not been fixed. The software does not accept my password, nor does it send a link to another email to re-set the password. I have tried countless times to re-set my password with no luck. They have turned my account over to a collection agency. Meanwhile, I tried phoning Cross Country Mortgage on their number XXXX. I get nothing but silence. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: OK
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:
It has come to my attention that pursuant to the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Block, Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was the victim of fraud and disputed several transactions with Cash App on XX/XX/XXXX. I have tried on countless occasions to communicate with the support team. After I initiated the disputes and went through the investigations process, I was sent an email letting me know that the disputes were resolved in my favor but access to my cash app account was restricted/deleted and cash app kept the funds that were supposed to come back to me. 

On XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. 

On XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. 

XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. 

XX/XX/XXXX at XXXX XXXX - {$100.00} withdrawal. 

On XX/XX/XXXX I got email from support letting me know they resolved the disputes in my favor. Email : XXXX XXXX, Your Cash Card dispute claim ( s ) was resolved in your favor and is now complete. A credit has been applied to your Cash App balance and is ready to use. 

We appreciate your patience throughout the dispute process. 

Cash App Support ref XXXX XXXXXXXX : ref I responded to that email immediately letting them know I could not access the account and after many many emails and I was never able to gain re entry to my account and my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an issue with my Barclay credit card where, there were some unauthorized charges to the credit card which have been place under review/dispute. Unfortunately these charges created late fees and interest charges that are not been accredited to the credit Card while the dispute is going on. I am afraid that such action by the bank will cause my credit payment history to be impacted and that I will inquire in more late and interest charges as time goes on. 
I have communicated my concern with the Bank and they have advice me to pay all interest and late fee charges as they would not be able to control whats been reported to the credit bureau and waive any additional fees. The bank also ensures that when the investigation is over that they will credit my account with all the fees but would not be able to update the credit report ( meaning the late payments will show in my credit report as valid. ). 
I believe that if there are unauthorized charges to the account and the bank starts an investigation they should not charge late fees or interest charges on the charges in dispute.

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 monetary relief
Consumer complaint received 2023-10-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called them with fraudulent charges. They said they would investigate and to not make a payment til it was resolved. I called again cause I haven't heard from them. They said the investigation was still ongoing. Not to pay the bill til it was resolved. The I got a email that I was late on my payment and they charged me {$29.00} late fee. I called and they said didn't know exactly what was going on. Found two more small charges that I didnt make. They told me they were going to start another investigation. This has been going on since XX/XX/XXXX. I made one charge to this card for my contacts but the charge isn't on the statements.

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 2022-11-15
Company: Associated Credit Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency sent a letter for collection with interest. The debt is not mine. I tried speaking to the collection agency however they were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In Venmo I requested my nephew transferred me {$1.00} to my account for testing, than I transferred {$1.00} back to my nephew for testing. After that I requested my nephew to transfer {$990.00}. He transferred me {$990.00} to my account. My sister transferred me {$990.00}, {$1500.00}, {$520.00}. After that I tried to transfer it to my bank account from Venmo but they put limitations on my account and frozen it and asked me to submit the documents for proof on XX/XX/2022 and told that they will verify and remove limitations from my account with in XXXX business days. They sent me email that my identity is confirmed on XXXX XXXX. Still it didn't worked than I called on customer service and they told me to wait for XXXX days. But I got email from Venmo team on XXXX XXXX that : After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community.The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Even though we submitted all of my required documents. On XX/XX/2022 I emailed them for getting our money back as we were not doing any illegal activity. Still they replied the same that my account is being deactivated by them also mentioned that my emails will be no longer replied by them. 
On XX/XX/2022 I called in customer service of Venmo they told to wait for 180 days for our frozen money in Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative 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 XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX 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 non-monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidential under 15 USC 1681. 

Account Name XXXX 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 

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.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which autodates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation