BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: JPMORGAN CHASE & CO.
State: CA
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 am not familiar with XXXX pay and did not understand the great risk this provides to consumers. I believed this to be safe as it was through my Chase bank app. I have been with Chase for almost 20 years and trust their mobile banking and now am sadly regretful. I am being told to deal with the merchant except the merchant has refused to answer my inquiries and now shut down communication. The website of the said merchant looks entirely legitamite and is even using the faces of highly successful brands with individuals linked to their social media without their consent. In performing research of the phone number and other associated information available through PI it is very clear this merchant is continually creating new account title holders to perpetuate this cycle of fraud. Furthermore as this is a non fixed voip being used I believe they are fraudulently using the identity of the real XXXX XXXX Chase Bank told me they wouldnt even investigate, report this to XXXX or allow me to file a report or take any potential recourse for the matter. There isnt even a protocol in place to address this issue yet! The chase mobile app verbiage makes a point to deceptively position this app as under the branch of Chase banking service and as such, imply a degree of entitlement to its customer service protection protocols. Chase has your back which reads on the very same link as the XXXX tab ... .is most certainly not true. This places consumers at risk when using this mobile service and does not flag the concern of Chase in the slightest. At minimum the risk of using XXXX on your mobile banking app must realistically be made aware to the public as it stands to be potentially devastating I have plans to file reports with all corresponding authorities as well as notify and contact the individual whose identity is being misused to inform him. I also intend to urge My neighbor who works in television that the news network should perhaps present the risk of using XXXX and XXXX integrated banking apps to the public. I understand fraud and scamming are overwhelming rampant but a banking mogul such as Chase not having any recourse of action is simply a risk that needs to Be disclosed more throughly. I would not have clicked on the to link to the extent I did if I would have been better informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
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:
XXXX I was notified creditor-XXXX XXXX report 30 day late in XX/XX/XXXX to credit bureaus. I contacted XXXX to get this resolved for several days from XXXX XX/XX/XXXX and submitted a dispute to XXXX on XXXX and to Experian on XX/XX/XXXX. 

It is very difficult to speak with someone at XXXX on the mgmt team, resolutions team and the US corporate office. I have only spoken with customer service located in XXXX. I have sent several emails to resolutions team however there is no ph # to speak with a human. 


My acct was paid several months ahead periodically, the account has never been late. 

I received an email from resolutions on XX/XX/XXXX indicating the correction would be submitted to the bureaus XXXX. 

XXXX I emailed XXXX XXXX XXXX XXXX get a status on the correction. 
I then contacted XXXX and was advised a XXXX Representative, XXXX, verified the accuracy of the late pmt on the account on XXXX. I completed a conference call with XXXXXXXX Customer Relations XXXX and XXXX Customer Service XXXX XXXX XXXX indicated that he would contact a supv and get back with me. XXXX has indicated that the creditor has the ability to update the account electronically and update on their end same day. 

Experian never showed the XXXX account as reporting, however XXXX rec 'd notification on XX/XX/XXXX the acct reported late in XXXX. Experian has not received any correction request from XXXX XXXX XXXX Resolutions Dept responded back indicating that the correction was submitted on XXXX. I responded back indicating the conversation that I had yesterday with XXXX and XXXX Customer Service Rep and that I need to speak with a supervisor. I called XXXX and there is no other ph # than the one that transfers you to a Customer Service Rep in XXXX who can not assist with this matter. This is not acceptable to have a US based company however can only speak with CSR in XXXX and unable to speak with anyone with authority to resolve the issue. 

Experian is showing my dispute still in process This has caused my credit scores to drop significantly and causing stress and financial hardship. Also, I did not give this creditor authorization to report this account nor transaction history to my consumer report based on USC 15 1681, USC 15 1666b

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 2022-04-18
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal Closed my account on XX/XX/2022 and will not help me in getting it back open. I'm not sure if this is some kind of mistake as it has to be. I am verified with paypal and have used it for over 5 years with no problems. I called and spoke to customer service to see what the issue is but they say they cant tell me the reason and cant help me but i remembered i can make a report here as i feel they are not doing their job properly and it has affected me a great deal since i cant access my funds. my details linked to my paypal account are : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wired money to a charles schwabb account, total of XXXX. The company ( XXXX ) I was to wire the funds to i learned to be a fake a few days later. When the company ( XXXX ) did not return my call i tried multiple times to speak with someone at charles schwabb to notify them about the scam. I was told there is nothing that can be done, they would not even make a note of my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Transworld Systems filed a collection on XX/XX/2023 in the amount of {$360.00} with the credit reporting agencies without providing any notice or communication whatsoever to me regarding the debt violating the Fair Credit Reporting Act. 

As soon as I received an alert from XXXX, I immediately contacted TransWorld Systems to dispute the debt and followed up with that dispute in writing. I have also reached out the agencies to dispute the debt as well. 

That said, I am in the process of buying a business and this clearly will pose significant negative financial impact to me. Please assist in resolving this, as this agency has operated unlawfully.

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 2019-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i sent a letter to capital one on XX/XX/2019 concerning this late payment item on my credit report.i have no recalling of being late, so i would like for them to verify the item bearing my signature.also by not replying within 30 days is a violation of the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Who this my Concern this Company was involved a class action law suite was inaccurate information on credit report my loan Dated Back XXXX. Ally financial just report this to my credit on XX/XX/XXXX they are in violation of the law suite they Need removed this immediately. From all report agency

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 2023-01-26
Company: ProCollect, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ProCollect has been furnishing data to my consumer report and I never gave them consent to do so. I do not owe ProCollect anything, I do not have any agreements with them and I need them to settle and remove the tradeline they have on my consumer report immediately. This is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They are using an extortionate means to collect on an alleged debt that I do not owe. I am disputing this and in order for ProCollect to collect it must provide the following : a document signed by me evidencing the debt or the opening of the account, a certified or otherwise properly authenticated photocopy of the original document, a chronological listing of the names of all prior owners of the debt and date of each transfer of ownership of the debt, beginning with the name of the original creditor and documentation of the identification and nature of the debt or account, including the name of the original creditor, the full name of the debtor as it appears on the original account, the last four digits of the social security number, the last four digits of the original account number and for the State of Maryland your collection agency license number, name appearing on the license and the date of issue of the license. Failure to provide this documentation means you are participating in illegal debt collection practices.

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 2017-07-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I did n't apply for no credit for a auto loan or authorize nobody to use my information to apply for credit. A hard inquiry is on my credit 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 explanation
Consumer complaint received 2023-12-04
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received notication on XXXX that an account had been opened in my name ; however, I thought that was due to me opening a personal loan in XXXX. On XXXX, while checking my account balance on my Barclays credit card, I noticed a XXXXXXXX XXXX XXXX had been opened in my name. This credit card had approximately {$750.00} charged to it. I locked the card and immediately called Barclays, who reported it to their fraud department and removed it from my 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 explanation
Consumer complaint received 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
On XX/XX/2021 Bank of America allowed a company called XXXX to clean out my bank account. They stole over {$1000.00} and left my account over {$100.00} in the negatives. As a result, I will not be able to pay my rent in 5 days, and will incur {$150.00} in late fees, as well as risk being evicted. I have never paid my rent late once, but because of Bank of America 's gross negligence, I will have a mark on my rental history. It is bad enough that Bank of America denied me a secured credit card for no legitimate reason, or that they have been charging me fees that I did not agree to for the past 2 months, OR that they don't allow customers to dispute transactions via the app, but obviously they do not care to protect their customers ' assets, either. They are TERRIBLE at customer service, and I want nothing more to do with them.

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 2021-09-21
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX {$410.00}, XXXX XX/XX/XXXX {$670.00}, XXXX XXXX XX/XX/XXXX {$290.00}. I just looked at my credit for the first time in years, I see all the above listed accounts that someone put in my name. These are not my accounts, I never used these accounts nor did I apply for them. I have spoken with the creditor about each individual account and filed an ftc report. They have refuse to remove these items from my credit. These are fraudulent accounts and they need to be removed from my credit file.

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 2018-05-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX This is an ongoing abuse by Equifax. Once again, I tried to get my report on line as we do regularly with the other two services. The scenario is identical to what I have described below in previous complaints. My previous complaint to you appears below. this is excruciatingly predictable. I do not understand why you allow this to continue. Once I complain to you, they send the report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- - The complaint below was filed with the CFPB on or about XX/XX/XXXX after I tried to get my Equifax report on line. My wife just attempted to get her Equifax report this evening and was met with the usual Online Delivery Unavailable. We are now into our fourth year of each one of us being denied our Equifax report online. 
-- -- -- -- -- -- -- -- -- -- -- -- - My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the fourth year in a row now, neither one of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and two supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I bought a used XXXX XXXX when I was XXXX XXXX XXXX. I had little credit and had been denied over and over again and I was desperate. The sticker price of the vehicle was {$13000.00} give or take and I barely got approved but never the less was approved by American Credit Acceptance. I was young, I had been in the dealership for nearly ten hours, and I felt like I had no choice but to accept. I was told my monthly payments which were technically within the budget I had naively set for myself and I was rushed through the paperwork so as not to dwell on that fact that not only was I sold an extortionate service contract I didn't ask for but that I would be signing for 26.6 % apr and it would cost me $ XXXX should I pay the loan as intended. ( Not that anyone every expected me to get that for or cared whether I could ) At the time I was making $ XXXX plus miniscule tips and it was immediately apparent I could barely afford this vehicle. I've since gotten better jobs and struggled with this XXXX car for nearly 3 years, earning myself XX/XX/XXXX of dollars in late fees and paying nearly the entire sticker price of the car in interest without touching the principle balance. I couldn't afford to insure it, I couldn't afford to maintain it, it's currently dead outside my house and I'm about to surrender it to ACA but I know they're going to sell it for {$3000.00} and come chasing me down for the deficiency and I've had it. I should've never been offered this loan and it's criminal nickel and dime me three years later having already collected the entire value of the vehicle from me and still demanding an additional {$17000.00}. I made a mistake and I learned the hard way. I shouldn't have to pay for it for the next half a decade. American Credit Acceptance should drown in their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2023, I realized I physically did not have my card on me and took a look at my account and noticed some atm withdrawals were take out of the account that were not done by me. Then I locked the card from the app on my phone. A couple hours later I received a notification that someone tried to take {$400.00} out of my account. I called and cancelled the card, filed a dispute and let Chime know that I needed the money asap. Every time they suppose to give me a credit, they email me with a final decision within the 10days. They are just stalling and finding every reason not to give me my money. They also refuse to provide me with supporting documentation. Please help me get my money back. I have supplied them with several documents and enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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:
i have been disputing with the CRA since XXXX XXXX about the old and inaccurate accounts reporting on my credit report, i have some of the accounts FROM EQUIFAX below that are old and pass the 3 years Statue of Limitations for 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I contacted Transunion credit bureau regarding unknown inquiries on my credit report. Customer service representative would not assist with the matter. 
XXXX XXXX XXXX XXXX ... XXXX XX/XX/2020 XXXX XXXX   XXXX XXXX XX/XX/2020 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 2018-03-01
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2018 I went to XXXX XXXX with my pre-approval from XXXX XXXX. I informed the salesman XXXX that i did not want my credit pulled to other lenders because of my existing offer with XXXX XXXX. I wrote on my credit application, I only authorize for XXXX XXXX. XXXX XXXX a finance manager at the dealership sent my credit report to multiple dealers. I spoke with the salesman and the finance manager which both of them acted as if they knew nothing about it. I need the inquiries to XXXX XXXX, XXXX, and XXXX XXXX deleted from my report. I am livid that they misused my credit application for their own benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: MOHELA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Mohela is slow walking updating eligible payment data and pslf forgiveness. They say to alot up to 90 days... Working on 100+ with not even an update on qualified payment info and delay in handling the application. They say they are overwhelmed. That so, they need to hire some help. This is ridiculous. If they can't handle it, then give it to someone else to handle. Never had a delay like this at the previous servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief