BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: EQUIFAX, 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:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX Account # XXXX Social Security No. : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
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:
On XX/XX/2020 I used my Chase debit card to book a hotel room through XXXX. The hotel double charged me, so I disputed the claim with Chase Bank the very next day. Over a month later and after several phone calls, both charges posted to my account. My claim was denied even though I can prove without a doubt that the original payment went through. I saved my receipts. 

Today was the last straw when I called the Chase Bank customer service line, only to be hung up on when I tried to further dispute the second charge. The second charge caused me to overdraft my bank account unnecessarily yet Chase Bank does not care about my lost money. I have tried to remedy this situation through multiple phone calls to their claims department but there is no excuse for being hung up on so many times. This is unacceptable and they have left me no choice but to file this complaint in order to get back the money that was stolen from me. I have all my receipts for proof. This should have been an extremely easy process on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX XXXX XXXX Short sale package was submitted to SPS on XX/XX/20. 

On XX/XX/20 rep XXXX # XXXX called the homeowner to offer her options of doing a loan mod or a short sale, and gave the homeowner a list of documents that would be needed. *****I believe that SPS , when they asked the borrower what she wanted to do, DELIBERATELY BAITED HER into saying that she would prefer to stay in the home, however she also said that she knew it wasn't not possible and needed a short sale. SPS inappropriately decided that meant she wanted a loan mod, when they KNEW she had been applying for one many times over the past year and was continually declined. They then used that as an excuse to deny her the opportunity for a short sale, as is her right under CA XXXX. 


On XX/XX/20 we called in to SPS to make sure they received the documents we submitted for the short sale. We were told the short sale was closed out and SPS would not offer any option other than a deed in lieu or a loan mod. 


Clearly SPS does not know what is going on with this transaction, since we get a different story every time we talk to them. This is not acceptable. IN THE ORIGINAL CONVERSATION, XXXX STATED A SHORT SALE WAS ABLE TO BE OFFERED, HOWEVER IN OUR CONVERSATION TODAY WITH SPS THE REP SAID THAT IT WAS NEVER AN OPTION. WHO LIED? The homeowner was told she would have the opportunity to be reviewed for a short sale, and that is what needs to happen. I want the short sale re-opened and the file moved forward appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a notification from XXXX, XXXX, and Transunion notifying me that an update had occurred on my credit report. After logging in and checking the update I was alerted that my credit score had drastically dropped and 8 of my XXXX XXXX XXXX XXXX had been updated to show late payments as of XX/XX/XXXX. I contacted each bureau and was told by each one basically the same thing that the creditor reported the update. I then proceeded to contact the creditor, XXXX XXXX XXXX, I spoke with a CS agent by the name of XXXX on XX/XX/XXXX at XXXX. After verification of all my personal information I informed XXXX that according to all 3 credit bureaus my account had been reported as of XX/XX/XXXX as a late payment and it was negatively affecting my credit which i was working to restore. XXXX then informed me that according to my account they had NOT updated this information with the credit bureaus and because my accounts were included in my bankruptcy they could NOT update ANY information on my accounts with the credit bureaus. I asked her could i have this in writing since the bureaus were giving me the run around about it and she informed me that just as they could not give ANY information to the credit bureaus they could also NOT provide me with anything in writing. She said they could only send a letter to the attorney that handled my bankruptcy case. I informed all 3 credit bureaus of this and they still REFUSE to accurately update my account so this negative impact will be removed from credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have constantly contacted Equifax with concerns regarding accounts : XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$200.00} XXXX with Consumer Affairs Office advised I would need to contact the police department and FTC regarding identity theft. They refuse to investigate as they should. They send the same generic dispute results and it is disgusting at this point. XXXX also confirmed my report can be accessed without my authorization causing unauthorized inquiries and there's nothing I can do about it besides report it to FTC and make a police report. 

XXXX advised they have an electronic system and communicate with the agencies and if matches their records it is verified. They are unable to submit to me the results of their investigation besides the generic language. 

To zoom in on an issue, XXXX XXXX XXXX have sent me a bill and have yet to show this is my debt. XXXX the original creditor, has first used XXXX XXXX, then XXXX  XXXX  now XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello my name is XXXX XXXX the reason i am making a complaint is because i had fraud activity happened on my bank account. There was on online website that said work from home all i had to do was enter account information to begin getting paid by taking surveys so i did it and not much later i started receiving letters in the mail ( XXXX ) with checks signed in my name that werent even written by me or deposited by me. I filed a complaint with Bank of America and nothing happened the account just closed and begin sending me emails sayin that i had to pay XXXX on ( XXXX ) i do not understand why. Now i moved to New York for school and no bank is letting me open an account and i am trying to figure out why? Even after i made a complaint to get the issue fixed

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 2019-03-10
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I purchased vehicle in XXXX of 2017 through XXXX XXXX XXXX. I changed insurance company XX/XX/2017.and at the end of XXXX I cancelled my old policy with XXXX and backdated the end date to XX/XX/XXXX, the new policy was in effect but it shows the start date was XX/XX/2017, which is a two day discrepancy. XXXX XXXX XXXX contacted me and asked for proof of insurance. I inquired if the vehicle insurance card was acceptable and I was told yes. I sent the card and about a month later they contacted my a second time and asked for the declaration page. I sent that document to them also and they sent a letter stating that I owed them for two months of insurance because their record show I didn't have any so they place insurance on the vehicle. I provided them with insurance information and wrote a letter in an attempt to resolve this issue, they were rude on the phone and continuedly would tell me they didn't receive no letter or any information pertaining to proof of insurance. They are demanding {$710.00} for two months worth of forced insurance and are adding XXXX per month late fee even though I have proof that the vehicle was covered. Also they have adversely affected my credit by reporting late payments to all credit bureau causing my score to drop which has blocked my from acquiring new loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Information belongs to someone else

Complaint:
I did not authorize XXXX XXXX XXXX to put a loan on my credit report and XXXX XXXX  XXXX I did not sign any documents by mail or received any mail sign by me with my actual id social and written signature. ( 1 ) account : XXXXXXXX XXXX XXXX account number : XXXX ( 2 ) account : XXXX XXXX XXXX account number : XXXX Please block this information from my credit report and remove it pursuant of section 605b of the fair credit reporting act which require you to block the fraudulent information on my credit report resulting from identity theft with four business days and to promptly notify the furnisher ( s ) of that 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 explanation
Consumer complaint received 2020-12-02
Company: E*TRADE BANK
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
To whom it may concern, Earlier this year I opened an account with E-Trade which included a brokerage and IRA account, and added a monetary deposit. I was looking forward to managing my finances with E-Trade after I was unsatisfied with my previous broker. Within a few weeks, I was no longer able to access my account online, instead I got a message confirming this and for more information to call E-Trade. After calling, I was told E-Trade has decided to no longer do business with me, but would not give me the reason behind this decision. I called a few more times and still was not told why E-Trade decided to terminate my account. Additionally, I was never returned my initial deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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 Account # XXXX, violated my rights, including reported inaccuracies to each of the three major credit bureaus. 

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report today XX/XX/20 because I plan on refinancing my auto loan soon however, I saw several accounts on my report that I never opened. They are from several different companies that I am not affiliated with in any way. I don't know who opened these accounts in my name without my permission but I did not gain anything from them such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. I do not have any written/verbal contract with any of these companies and I did not give them permission to access my credit file. I have filed this report to the best of my knowledge.

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 2019-03-10
Company: Maximum Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
This company has sent a text message which is disparaging me, violating at least one law that I know of while also presuming to lecture me on the law. 

When I am currently represented by a bankruptcy lawyer and that is in full legal force right now. 

They have also been lying and fishing forum information from family and friends, lying to them and trying to trick them into paying for my mistake and getting involved in these scum. 

No weapon formed against me shall prosper. 

Everything they are doing is blatantly and flagrantly violating the law. The fines involved in what they're doing outweighs my debt to them, tenfold. 

This abusive behavior has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Experian Information Solutions Inc.
State: IN
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 received a letter from XXXX XXXX XXXX stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from XXXX XXXX XXXX. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying XXXX XXXX XXXX, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted XXXX XXXX and they denied removing from my credit report. I disputed the item with Experian and XXXX XXXX and submitted the supporting documentation. They refused to remove it based on what XXXX XXXX  stated vs the proof that I was refunded the amount i paid them proving I did not owe them money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i have power of attorney over a lady who is XXXX yrs old and she has 2 accounts at BB & T bank with over XXXX the account is in her name and a ladies name that was supposed to help her. but neither account requires 2 signatures to take her money out. so we went to get a cashiers check so we could switch banks for her. first time we went was on XX/XX/XXXX and we were told we could not do this unless the other woman was with her. with this being told we are almost sure that this is the other womans friend. so on XX/XX/XXXX we went to the main branch in XXXX ga and they told us that we could not have her money until she came inside the bank and they could determine if she was of sound mind and body, so we ask for a appointment since the bank lobby was closed due to covid. we were told no we could not we just needed to wait until they decided to open back up.we ask for a cashiers check, which they refused to give us, I ask them at this time to please call the police and they refused to do that also. They would not tell us no reason why we could not get the money but was extremely rude and made several sarcastic faces at us which can be seen on their camera 's .. They contacted the other woman and put a freeze on the account where she can not have no access to her life savings. I called their corporate office in North Carolina and they have set up a investigation on XX/XX/XXXX which i have not heard from since. Meantime I ask corporate to put a freeze on the accounts also so noone can steal her money. but they are with holding money from her that belongs to her and that she has a legal right to have when she wants it and this is highly disturbing to her esp since she is elderly and is in fear of her money getting ripped off and she can not understand why she can not have her money in a cashiers check.

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 2018-10-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018, I called the bank and submitted a stop payment request to cancel check number XXXX in the amount of {$3500.00} from clearing through my account. The call center representative told me the check had not been deposited yet and the stop payment request would go through. However, chrck nunber XXXX in the amount of {$3500.00} was cleared through my account on XX/XX/2018. I called the bank during the XXXX est hour in XXXX XXXX to resolve and get my money back into my account, because the bank was notified to not cash the check. The banks representivies from the claims department told me there was nothing they could do and I needed to contact the person who cashed the check. My agreement to stop payment on the check was not through the payee but through my financial institution. Due to a customer service representative incompetence to submit the right request, I was not only charged a stop payment fee but the stop payment request was ineffective and now I am missing {$3500.00}. 
After multiple attempts via phone, secure message, emails, and social media, CHASE BANK has told me that they can not do anything to return my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Transaction Id XXXX and Case ID : XXXX I would like to escalate Case Id : XXXX to your office. 

A summary of the case is : Seller is ebay seller with a history of misfit items and selling cheap plastic junk. Many of ebay feedback has been removed mysteriously by seller including mine. So looks like they know how to game XXXX. 

I received an item for my car which didnt fit. Evidence of non-fitment is shown in the case including a video to Paypal. 

I opened a case on XXXX and XXXX claims since the case was wont fit, its not a SNAD case. They dont allow changing case type. If I wanted the money back i needed to ship back my item to XXXX which costs more than the item itself. 

I opened a case on Paypal, I was asked for evidence which I have provided. 
Paypal is playing the same game, it only allows me to upload tracking information to XXXX or cancel refund case. 

I am happy to ship the goods back to XXXX is seller is paying return shipping. Since the product was mislabelled the seller should be responsible for any return shipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation