BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: AL
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:
Creditor which is XXXX XXXX notified me that they sent a notice to credit bureaus but they have yet to response or removed the account from my credit reports. They have been dropping my calls and have extended hold times and I can never talk to anyone about my issue.

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 2023-05-26
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a paypal claim for {$270.00} with a banking service ( seller 's bank ) XXXX. I have provided all documents asked for. They refuse to issue a provisional credit, or address that paypals policy is NO MATTER WHAT THE TRANSACTION ISSUE. if a dispute is longer then 10 days, a provisional credit WILL BE given. They've taken 2 smaller disputes I had and provisional credited those, but keep re-directing the question of they're regulation E 10 day policy. My accounts XXXX years old. So it does not give them 20 days, as stated on there policy 's. When I ask about the provisional credit for transaction amount {$270.00}. I was lied to by one supervisor. Swearing he was the best in his department and he'd go ahead and grant the provisional credit that day. That was XXXX  XX/XX/2023It's now day 12 and still nothing. Supervisor i spoke to on XXXX said there was no note of approved provisional credit, and at this stage of claim, the merchant has 15 days to respond. I repeatedly asked about the 10 day provisional credit regulation E policy on there policy page, and rep kept repeating that the merchant has 15 days, and that it very well might state that on there website, but not for this case. She wasn't sure why, but assured me ide have a resolution soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a fraud complaint on XX/XX/XXXX. Upon further investigation into my account, I realized the fraud was more extensive and filed an additional fraud case with the bank on XX/XX/XXXX. Per Reg-E, the bank was to issue me a provisional credit within 10 days of receiving the complaint ; however, that wasn't done until XX/XX/XXXX. 

The bank did not adequately investigate the fraud claim. The bank refused to provide written documentation when I requested it related to the investigation. 

The bank cancelled my account on XX/XX/XXXX citing " risk ''. On the same day, the bank put a $ XXXX hold on my account citing the need to reverse the provisional credits assigned during their fraud investigation. Today is XX/XX/XXXX and the bank still hasn't lifted the hold and released my personal funds. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Affirm Holdings, Inc
State: MI
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:
This has been ongoing since XX/XX/XXXX. I purchased 2 pair of XXXX XXXX XXXX through the XXXX website in XX/XX/XXXX. I financed with affirm. I returned the shoes back within the time frame. XXXX didn't confirm my return up until XX/XX/XXXX, when i returned everything back in XXXX and XX/XX/XXXX, i have proof of XXXX return slips. I also paid XXXX back to ship one of the shoes back. Why is it my problem, that affirm decided to charge it off, and XXXX didn't confirm the return till 4 months later. I shouldn't be held responsible to pay affirm back. XXXX  should reimburse affirm and be in communication. I shouldn't be held liable for this, this has damaged my credit where i can not even get approved for a credit card, i went to lease my car back in XXXX and my payment was XXXX higher because of the charge off 'its a delinquent status '' if you see my credit report i have a XXXX payment history on everything. Please get this taken off, i need to get this taken off, and get compensated back, this has taken over my life, and once again it's ruined my credit. I can provide proof of emails stating XXXX confirmed my return later, and i also can provide proof of XXXX receipts showing i returned the 2 pair of shoes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Paypal Holdings, Inc
State: FL
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:
PayPal is nothing more than a criminal organization that rips people off on a daily basis. To be charged {$200.00} to RECEIVE a PayPal payment makes no sense at all. For {$200.00}, I would expect someone to hand deliver green cash to me by car from 50 miles away. It makes absolutely no sense.

There may not be anything more important to be active and VOTE about than this financial criminal activity. We all sit around on our non-political XXXX and let legislature get passed that allows this predatory activity to continue day after day. 
Say NO to PayPal! 
Write your congresspersons and INSIST that caps be put on these fees! 
Think about it. 
Receiving {$100.00} from a company costs the receiver around {$3.00}. Theres no way in XXXX receiving {$5000.00} should cost PayPal ONE CENT MORE. Its the same exact, automated process!! 
Few things in the world make me more angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: CA
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 XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # XXXX has violated my rights. 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As noted when speaking with one of cfpb 's representatives, I am submitting more information re my recent complaint against Tenet Healthcare and XXXX XXXX XXXX. 
To reiterate briefly, on XXXX XXXX, XXXX, I visited the Emergency Dept at XXXX XXXX, XXXX XXXX, XXXX. After about 5 hours of waiting with internal bleeding, a Tenet employee called me to window 3 in the ED waiting room, looked at my XXXX card, and informed me my visit that day was free of charge. I received a bed shortly after that. Then, in a classic Bait and Switch, I receive bills from Tenet and their subordinates for {$7200.00}! 
This is part of XXXX 's response : " We have contacted our client and verified that the consumer was provided and signed a financial responsibility agreement prior to receiving services. The consumer was provided with a copy of this document at the time of service to keep for their records. '' I dispute this response as even if I did sign something ( I have no copy of this ), being at a level 10 threshold of pain, had n't eaten solid food for almost 2 days, was severely dehydrated, and due to these conditions any such " signing of financial responsibility '' was not made with informed consent - I was in too much pain to comprehend anything such as signing a responsibility agreement. ANY SIGNING WAS DONE UNDER DURESS, WITHOUT INFORMED CONSENT! 
Let 's look at who we are dealing with - Tenet - who paid XXXX XXXX a few years ago when prosecuted for XXXX fraud, and just lately agreed to pay over XXXX XXXX for XXXX fraud! XXXX executives are now charged in this recent case as well. 
My point is twofold - TENET IS A CORRUPT CORPORATION AND ROUTINELY LIES TO PAD ITS PROFITS! TENET WAS/IS LYING WHEN THEY STATED THAT THEY COULD FIND NO EVIDENCE OF THEIR EMPLOYEE INFORMING ME MY XXXX VISIT WAS FREE OF CHARGE. AS WELL, THEY BILLED ME FOR OVER XXXX PERCENT MORE THAN XXXX WOULD PAY FOR SUCH SERVICES! THEIR BILL IS AGAIN ATTACHED TO THIS COMPLAINT. For instance, I was charged {$3000.00} for a CT ABD PELV with CONTRAST - XXXX PAYS ABOUT {$250.00} FOR THE SAME SERVICE! THAT 'S A 1200 % OVER BILL! The blood work was not bundled, and came to {$860.00}! 
IT SEEMS TENET IS RADICALLY OVER BILLING - TRYING TO MAKE UNDERINSURED/NON INSURED PEOPLE, ESPECIALLY THIS SENIOR, PAY THEIR FINES FOR BEING CORRUPT AND PRACTICING XXXX AND XXXX FRAUD. IT IS DIFFICULT AS A LOW INCOME SENIOR TO FIGHT THIS CORRUPT COMPANY. TENET IS NO DIFFERENT THAN A XXXX THUG WITH ITS JACKBOOT ON MY THROAT THREATENING MY CREDIT RATING AND DOING ITS BEST TO DESTROY ANY PEACE I MIGHT HAVE AFTER WORKING 49 YEARS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
There are two hard credit inquiries on my credit report that I didn't not initiate or give permission for. I've already disputed these two inquiries with CFPB, but for some reason they couldn't be found when I called Transunion. The two inquiries are : XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2022-07-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I wrote a check on XXXX for {$1800.00} for my rent. It was stolen from the mailbox at my business boxes and altered and deposited to XXXX  XXXX XXXX for {$10000.00} and cleared my bank ( Chase Bank ) on XXXX. On XXXX I went to Chase Bank & filled out the declaration of Unauthorized Endorsement, then I went and filed a police report. 

As of today XXXX I still have not received my money back. I have sent Chase all of the documents that they have requested via fax because they say that is the only way I can send documents then it takes 48 hours to be uploaded to the system. They kept telling me they had not received my doc 's so I went to the bank and had them send over all of the documentation. Chase Bank has been a real headache thru this process, with today 's technology I should be able to email them while on the phone so they can tell me they received them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act JPMCB CARD ACCOUNT # XXXX, / JPMCB CARD ACCOUNT # XXXX has violated my rights. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I saw an offer for the Amex XXXX XXXX XXXX offering a 0 % introductory rate for 10 months and XXXX bonus points after spending {$4000.00} within the first 3 months. After applying, I noticed that the introductory interest rate was not mentioned. I immediately called and could not get through to anyone. I started an online chat. I told the representative what had happened and he told me I was given a different offer, with no introductory interested rate. I explained this is not what I signed up for and he transferred me to a " supervisor '' who said the same thing and refused to honor the offer that I had signed up for. I asked for the card to be canceled and not sent out as this was a bait and switch tactic. Now I have an inquiry on my credit for no reason. Amex should not be able to do business this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
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 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 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 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 XXXX has violated my rights 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Massachusetts Educational Financing Authority
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed a complaint against MEFA last month because they refused to lower my monthly payment even though I was let from my job. Late XX/XX/XXXX, someone contacted me about getting a lower payment. I was not able to reply right away because I caught the flu and I had to gather the necessary documents. I sent in my application on the XX/XX/XXXX. On the XX/XX/XXXX, the Consumer Advocate got back to me and asked for something I didn't have and couldnt get. He did not respond to that email, so i started check in every day and still no response. Today, I finally got a response from him asking again for the things I tried to get and did not have and I had to explain again that I did not have what he was asking for. This has been a frustrating process with a uncommunicative consumer advocate. MEFA promised they would help but have been so difficult to work with. I will not be able to pay my rent this month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank has been holding a 3rd party check deposited via mobil app since XXXX and it's now XXXX. As soon as they put the hold on the check they also closed the account. We have done what's asked of us and FAR MORE but continue getting caught in a loop the just doesn't lead to any sort of resolution. First we are told the check need to be verified soon as that gets done then it's said they think the XXXX  check is fake. And after countless days through that process then the money will be in my account in XXXX business days we wait and go through the loop all over again and it has been an absolute nightmare. For check verification the 3 rd part person has bought 4 different phones and went to a local branch with id social security card and birth certificate none of which was enough to " verify '' also XXXX XXXX has asked them to release the check back to them and chase also ignores their requests as well. We have also been told the funds will be put into lost funds and it will take us 2 to 3 years to be able to access it. The XXXX dollar check has cost us more in time off just trying to resolve the situation because they will not let me add my wife to the account so just a phone call requires time off work because when I call i have to verify myself and give permission to speak with my wife a minimum of 4 times PER CALL.. The 3rd party has missed numerous days as well calling the bank and going into our local branch. When u get as high as possible with someone in chase fraud dept I ultimately just get left on hold sometimes for hours and never get to speak to anyone higher. This has been the absolute worst experience of my life time and I will never again bank with chase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: DISCOVER BANK
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Sent a wire transfer from my discover bank to the closing company for real estate. Called discover and they said the wire is on the way and deducted from my account. Apparently its under federal reserve review. We are short on time and I didnt even know I was required verification. This was known to me after I had called discover bank..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a correspondence dated XX/XX/XXXX from Continental Service Group attempting to collect a debt in the amount of {$1700.00}. I immediately responded with my own correspondence disputing this alleged debt due to the fact that I had never been notified prior to the correspondence dated XX/XX/XXXXXXXX  that was previously mentioned. In my letter I requested verification of the alleged debt. I received a reply correspondence that did not verify any debt at all, but only claimed that this alleged debt was placed with their office on XX/XX/XXXXXXXX  ; that's almost three years ago. Another question I would have is why was I never contacted in nearly three years? I had no prior knowledge of this alleged debt up until the recent correspondence I received dated XX/XX/XXXX. This appears to be a form of gross negligence on the part of staff at Continental Service Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: SUNRISE CREDIT SERVICES, INC
State: UT
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:
Sunrise Credit Service # XXXX with the original creditor sprint is reporting a collection with a balance. This is paid off and I have attached proof of payment to this complaint.

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 2023-08-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXXXXXX XXXX account # XXXX, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.

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