BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A XXXX representative called me with phone # XXXX on XXXX XXXX. Saying somebody was trying to purchase an XXXX XXXX XXXX XXXX on my XXXX account. So he told me, he had to change my old account and reopen a new one because this account is being compromised. Of course I believed him, thanI received an email and a text from him the XXXX to verify my account. They Send me my bill and send me a 2 REFUND CODE ( XXXX & XXXX ) on my email address thats XXXX has on file this # XXXX under XXXX XXXX. long story short. The code they sent to my email ended up being XXXX & XXXX. I have the emails as proof. Ive filed a claim with Chase bank claim # XXXX. They denied my claim on XXXX XXXX. With a letter stating No action will be taken. 
This inquiry is now resolved. Was advice from Chase claims dept to contact XXXX. Ive called XXXX 3 times they will not connected me to a fraud dept,, bc its not concerned a fraud. This is a back and forth situation. No one seems to want to help me. Ive lost {$990.00}. I am a XXXX person who receives 1 check a month. 
This inquiry is now resolved. Was advice from Chase claims dept to contact XXXX. Ive called XXXX 3 times they will not connected me to a fraud dept,, bc its not concerned a fraud. This is a back and forth situation. No one seems to want to help me. Ive lost {$990.00}. I am a XXXX person who receives 1 check a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Profit Services Group
State: GA
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:
Profit Services Group {$1700.00}, {$39.00}, {$3000.00} & {$34.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) insurance provider confirmed that accounts were paid in full ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2023-04-29
Company: Experian Information Solutions Inc.
State: NC
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-08-13
Company: Upstart Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I set up recurring payments on this account in the amount {$360.00}, to be drafted on the XXXX of each month. 

Per the authorization I consented to the amount will be drafted either on the XXXX or XXXX day after. 

Recently, this Company drafted the payment amount two days prior to the authorization date. Causing my bank account to be negative. I was forced to pay a {$30.00} stop payment fee with my bank to stop the unauthorized ACH transaction. 

I called upstart and explained the situation. The Representative claimed they could not locate my account and refused to look up my account when I tried to provide the account number. 

This is the second time this CompaXXXX has acted and used unfair practices. 

The first time, they tried saying that they can report the account to the Credit Bureaus as 30 days past due, even though the account was in the grace period of the first 15 days and payment was scheduled to draft long before 30 days. The Representative was on a recorded line. 

At this point l, they have committed theft as they were not authorized to take payment from my account. They were only authorized to draft on the XXXX of the month and per their own agreement they would not draft any sooner than that date. 

When you try to contact them, they are rude and refuse to look up the account. 

The attached picture shows that the payment was set up for the XXXX. 

The second picture is an example of the verbiage used. As you can see, when you set up a payment they state that said payment will be drafted on the day or the day after. Please note, this is an example only. Yes, the date in this case shows XXXX but thats not the point, the point is to show the verbiage used in their authorization form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used to own a high end watch resale company, based in XXXX FL. I used PayPal to process my clients credit card payments. After having my account open for more than a decade AND having been approved for more than XXXX XXXX dollars in processing monthly, my account was in a great position to carry my company to the next level. I was preparing to expand, hiring XXXX employees and investing in sponsorship with the XXXX  XXXX. Every transaction included serial numbers from each timepiece, tracking from XXXX overnight and insured shipping, in addition to calling PayPal to confirm that my account was set to handle the transactions without any issues. Additionally, I paid my supplier from PayPal, to keep the transaction locations in XXXX location. 

In XXXX of 2021, I was in XXXX conducting business. My client ordered another few pieces, so I charged him via PayPal. Immediately, my account, the buyers account AND the suppliers accounts were frozen. All funds left in each account. I received a message that within XXXX XXXX, the funds would be released. I tried multiple times to contact PayPal and settle the issue, but to no avail. They told me there was nothing that could be done. 

On XX/XX/2021, PayPal removed {$71000.00} from account. There was no warning, no communication. To this day, I am approved for over XXXX XXXX dollars of processing on this account, which is frozen and unavailable for transactions. My business had to be shut down. I could no longer conduct business, as all my liquid was lost in the theft from PayPal. I hired a lawyer on contingency around XXXXXXXX XXXX ago to handle retrieving the money, but they didnt get an answer from the demand letter and I can not afford the money needed to continue pursuing PayPal XXXX They have robbed me of my income and the XXXXXXXX XXXX it took me to build a reputation strong enough to get the clients I had. I couldnt process payments from them any longer, as a new processing account only allows at most XXXX of processing. I look to XXXX to provide and I look to CFPB to help me communicate with PayPal and XXXX retrieve my families hard work. 

Thank you so much for your consideration, patience and understanding. 

Y

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: GA
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:
Hi, I am writing to you regarding crazy situation that happened with me. I found accounts that do not belong to me. I mean they are not mine. I am identity theft victim and I am very stressed out because of this situation. These unknown items just killed my report. Please do something and delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello XXXX, Trans Union and XXXX keep sending me stall letters every time I send them dispute letters. I have sent about XXXX dispute letters regarding inaccurate information. They either respond with stall letters or they send back investigation results stating accounts have been verified. They are not telling me how they have been verified. 
I need an investigation because I still see inaccurate dates, balance, incorrect and incomplete information on my report. They are not doing their due diligence in making sure everything is 100 % accurate. They are violating the FCRA laws

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 2023-04-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have filed credit disputes with all 3 credit bureaus regarding accounts that do not belong to me. Ive requested a copy of the verifiable documents that the credit bureaus are stating they verified and validate that the account belongs to me. I do not believe they have any verifiable information or documents. I am requesting all accounts that do not belong to me to be deleted and removed from my credit profile immediately. 
The following account collection and charge off accounts : XXXX XXXX accounts XXXX charge off account XXXX charge off account XXXX charge off accounts XXXX loan charged off accounts

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 2022-06-10
Company: Experian Information Solutions Inc.
State: WY
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:
XX/XX/XXXX, purchased a lease from XXXX XXXX XXXX. XX/XX/XXXX My final lease payment was pulled from checking account and posted to my XXXX acct. i notified XXXX XXXX XXXX  that I was currently waiting on a new vehicle from XXXX, to return my lease. My new vehicle arrived XX/XX/XXXX. XXXX XXXX XXXX, in XXXXXXXX XXXX  purchased the lease from me, paying off XXXX XXXX XXXX the remaining owed ( {$31000.00} ) from the payoff received from XXXX XXXX XXXX, that day. Sometime in between those dates- XXXX XXXX, somehow reversed my XX/XX/XXXX payment from my account and applied it somewhere else, that I dont know if. I received a called from XXXXXXXX XXXX XX/XX/XXXX telling me my account is XXXX days past due and I now owe XXXX and XX/XX/XXXX payments. The XX/XX/XXXX payment, was not returned to me nor applied to my account. I made numerous calls ti XXXX to get this corrects and was told, the accounting department was working on it. They could see the payment was reversed sometime at the end of XXXX but not applied back to my account. In the meantime, While XXXX is telling me Im XXXX days past due, the representative told me they did receive the entire payoff amount of {$31000.00} from XXXX XXXX on XX/XX/XXXX. Fast forward to today, XX/XX/XXXX, XXXX I get a notification from Experian ( I monitor my credit ) that as of today, XXXX XXXX XXXX reported my account XXXX days past due. This false report, hit my credit and my husbands credit hard, knocking out score down XXXX points. I called XXXX the customer service rep and supervisor told me they cant see that my account was reported past due. They can see my account was corrected on XX/XX/XXXX where they reversed my My XXXX pymt and now reapplied it and they could see the loan was paid in full, on XX/XX/XXXX. Ive disputed this false credit reporting with XXXX XXXX XXXX, Experian and filed complaints. My credit and my husband credit, has been greatly impacted, negatively due to XXXX XXXX XXXX, reporting incorrect 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 non-monetary relief
Consumer complaint received 2018-12-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got a letter by mail saying that they don't want have any relationship with me and my account will be closed at XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX, XXXX I had credit freezes with all three Credit Reporting Agencies in place since as an XXXX year old I don't normally apply for any new credit. I was switching XXXX XXXX providers and they needed to run a credit check. 
When I tried to sign on with each Credit Agency they made me change my existing passwords ; then they each steered me to a website page that tried to upsell me to a higher level of constant credit monitoring. Nowhere on the page was there a box for freezing or unfreezing my account, nor was there a query search box available. 

Finally, I did an internet search and saw that XXXX XXXX had information on how to lift a freeze with credit agencies and provided links. I was able to temporarily lift the freezes with TransUnion and XXXX. XXXX was the worst. They couldn't identify my account using my user name or email address, gave me a phone number, where a computer asked me a dozen related, multiple choice credit usage questions. Then the computer said I would have to mail in or fax the request for a temporary unfreeze. 

Total time, over XXXX hours and still don't have the temp unfreeze from XXXX. 

By placing an upsell page XXXX on their website, I am sure many inadvertently are signed up for their more expensive services. The FREE services should be prominently shown on all their web pages and the Freezing, Unfreezing service easily found. 

Thanks

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 2023-04-29
Company: Experian Information Solutions Inc.
State: OH
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have acopy of the original creditors documentation on file to verify that this information is mine and iscorrect. In the results of there first investigation, Experian stated in writing that they verified that the items are being reported correctly? Who verified these accounts? Experian has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRAI demand the following accounts be verified or deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-03
Company: Experian Information Solutions Inc.
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:
I have XXXX bankruptcies showing on my credit report ( Experian/XXXX  ) .IT stated that the XXXX bankruptcy court has reported to the credit bureau, so I reach out to the bankruptcy court and I was informed by the courts that they dont report to the credit bureaus.so I wrote/ call Experian and XXXX on several and the ONLY response I keep getting from both credit bureaus is that the information is ACCURATE and VERIFIED.I I also ask the credit bureaus several times to prove to me how the information get verified and both bureaus refused to provide that information. So my question is that if the bankruptcy court does not report to the credit bureaus they can only get the information from a third party and by law third parties are not allowed to report anything on your credit report.so Im requesting/demanding that Experian and XXXX REMOVED those XXXX bankruptcies thats showing on my credit report because they are violating the fair credit act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech is a new name for the company known as Green Tree. Our mortgage on our home was nearly paid off at the time Green Treen took it over. My bank continued making monthly payments to Green Tree electronically depositing into Green Trees account with XXXX  XXXX XXXX. However Green Tree neglected posting any of our payments to our mortgage account.. We had requested they correct our acct and post our payments several times, at which they pretended at the time, not to have received any of them. Green Tree refused to give us or our banks any information on the payoff amount & tried to foreclose on our home instead. We were able to pay the entire mortgage amount again before they could foreclose. My bank " XXXX '' went through the procedure of tracing down 0ver 20 payments that were found to be deposited into Green Tree 's ( Ditech 's ) bank account with my mortgage account number on them. Ditech refuses to reimburse us the {$19000.00} they state they lost. They claim they need to find where they allocated our funds before they are able to reimburse us. I call them every 6-8mos. requesting they return our money, however they claim they are still unable to send us a check until they can correct all their errors. I have all receipts & letters from the bank showing all payments were made on time every month. I also have the payoff receipt showing they were paid a second time for the same mortgage, if needed I can send. Over 100 pages of documentation is available. I called XXXX bureau 2 years ago and told it was being investigated & had assumed it was corrected. I recently found out Ditech has since submitted another negative report to the credit bureaus under the pretense they never received payments and I still haven't received my duplicate payments reimbursement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2021-11-24
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of Affirm and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. My account with Affirm began in XX/XX/2019. Since that time, I have enjoyed excellent customer service and benefits and have been happy with Affirm. However, in XX/XX/2019 I fell on hard times due to being very ill as a result I became late in my payments. I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following those personal emergencies, Ive worked hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort.

Company response to consumer: Closed with explanation