BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank was holding deposited checks drawn on my other bank XXXX in violation of Reg CC. They put a 7 day hold on the funds I deposited on XXXX in the amount of {$1000.00} due to reason to doubt collectability. I have had absolutely perfect  standing with Chase and there was no reason to doubt collectability. I work for XXXX XXXX ( XXXX ) and had heard multiple of our bank customers report this issue which is why I made the deposit on XXXX. When the funds were not available the next business day, I called and they told me the reason was that the paying bank ( XXXX ) did not provide timely confirmation that the check was good. Which makes no sense, since paying banks do n't provide timely confirmation other than through dollar settlement which was done. They immediately removed the hold AFTER I called and said they were in violation of Reg CC. We ( XXXX XXXX ) then went through our correspondent bank to find out why they were holding what appeared to be every XXXX XXXX check deposited at Chase, who went through XXXX XXXX who was given the following response from Chase : Regarding XXXX XXXX our Fraud/Risk Dept made a short-term change to mitigate a counterfeit trend they were seeing in order to minimize further risk and impact. Below is their feedback ; they removed all 7-day holds effective XXXX XXXX today. 

In recent months, aggressive counterfeit check attacks were observed on specific routing numbers, such that even some valid routing numbers were suffering high levels of check returns, Risk implemented a strategy to place holds on all checks from routing numbers that had observed recent high rates of check returns. This process was used as a short-term control and now that a long-term solution has been implemented we feel comfortable to remove the previous process and as a result some of these routing numbers will no longer receive holds. 

While I understand their strategy to mitigate risk, This appears to be in clear violation of Reg CC as they can not put a hold on a " class of checks '' which they did. In addition, XXXX XXXX has not had recent high rates of check returns with Chase. so what are their thresholds for determining " high levels of check returns '' - two. We have very little fraud reported on any of our accounts or even returned checks in general. This caused tremendous disturbance to myself and my customers. Had my customers not been as savvy as me, they likely had the hold remain on their funds for 7 days while Chase bank used and earned money off of those funds. 

In addition, as you can see, they lifted the hold from XXXX XXXX routing number but indicate that they have only done this for some of the routing numbers, which means they are likely continuing the practice of blacklisting bank routing numbers and placing holds on people 's deposits. We have also heard of this practice from other big banks/credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax continues to report inquiries that i did not consent to, authorize, nor benefit from. According to the FCRA 1681 ( B ) ( 2 ) nothing on the consumer report shall be furnished without the written consent of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: DE
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, 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 in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 2017-10-02
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to submit disputes for some inquires on my credit report for the past few months and Equifax does nothing to investigate the inquires in question. I have been unable to get help from the company who made the inquires and now Equifax wont do their part by investigating the inquires. I have attached a copy of the inquires in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I turned in my vehicle on XX/XX/XXXX. I had Billpay set up for auto payments and accidently paid an additional {$500.00}. I contacted GM Financial by phone and email on XXXX/XXXX/XXXX, XX/XX/XXXX &XX/XX/XXXX. I provided a copy of my bank statement showing the overpayment. Since then customer service has given me a different story including that I had to wait for car to be auctioned, checked for overmileage ( turned in XXXX short of miles I paid for ), and then I would have to wait 90 days. The possible damage ( which there was n't any ) has nothing to do with the fact that I fulfilled my lease contract and overpaid {$500.00}. I am getting a different story each time I call customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only TransUnion but as well as XXXX and 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 2022-04-07
Company: Big Picture Loans, LLC
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call today from someone from the " XXXX XXXX XXXX '' law firm, stating that they were suing me in county court over a loan balance that has been paid off for years. I have records to prove that. 

They told me that they sent me collection mail to an address I have never lived at and have nothing to do with, but that it was too late now to send me anything in writing and that if I didn't pay at least half of what is owed over the phone today then I would " be dealing with the law enforcement and judge tomorrow. '' The man started shouting over me when I tried to ask simple questions, including shouting at me " I know your birthday and whole social security number, so there's no way you can get out of this '' -- and said them both out loud, so yes, he did somehow have my entire SS number. 

The phone number they left was ( XXXX ) XXXX. 

This man was frightening, intimidating and lying to try and get {$1500.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I 'm attempting to freeze mine and my wife 's credit reports with Equifax due to their data breach. 

Their web-site to do so does n't work, it errors out and says it ca n't be completed and their phones automatically hang up when I call them. 

I need to freeze our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: SC
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:
somebody stole my identity while I was XXXX And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

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 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have sent many letters and not getting response. This is very unfair and goes against the FCRA. The bureaus are taking advantage of me. They should not be able to break the law like this.

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 2022-07-05
Company: Abra
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The company is a scam. They promised {$40.00} for deposit and referral but only paid me {$20.00} in some insolvent company owned crypto which they will not cash out for at least the rest of XXXX ( most likely ever ). There is nothing in the legal terms and conditions that says the {$40.00} awarded will be in an insolvent worthless asset that can't be withdrawn. I called and spoke with 3 agents and they all refused to answer any other questions as to who is regulating their company and where my missing {$20.00} is. ( Also the {$20.00} was awarded today and was exactly XXXX XXXX so it wasnt some crypto devaluation that devalued after I received it ). 1 ) The XXXX were never pending. They were not pending and not showing until I called in today and then they were credited to my account today 2 ) Pending isn't " awarded ''. No where in the terms of my signup date XX/XX/XXXX does it allow for you to arbitrarily set a date for the valuation and then have them unavailable. 3 ) If the XXXX isn't available then it's not been awarded. It wasn't available until today 4 ) Nowhere in the terms does it say this " reward '' will be a worthless piece of garbage that isn't convertible or withdrawable, which I've just discovered is the case. Most importantly, if the XXXX is untradeable and unwithdrawable, then by definition is it WORTHLESS. The company is arbitrarily assigning a value to its own insolvent asset. I hope someone files a class action lawsuit against this scammy company or a government regulator steps in and closes the company down for being a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear XXXX, Thank you for your email. 

Naturally, you have the right to cancel your tour with no charges up until XXXX XXXX. 
However, I would like to point out a few things : 1. Coronavirus is not Ebola or anything similar. As a matter of fact, the mortality rate is roughly that of seasonal XXXX ( flu ) : https : XXXX. You would probably agree that if we were to cancel all our tours because of flu danger, we'd run out of business very fast. 

2. So far, there has been no official case registered in XXXX. 

3. If you decide to go ahead with the cancelation, you may understand that we may not accept your booking at a future date. You and me we've gone through quite a few emails before putting all this together. My colleague XXXX had a VERY HARD time securing your accommodation and activities. I will most probably not be willing to take the same chances again. 

In the unlikely eventuality that country travel restrictions will be put into place between XXXX XXXX and XXXX XXXX, I promise you we will keep your deposit and rebook your tour at the dates of your choice in the future. 

Look forward to hearing from you. 

XXXX XXXX  XXXX - XXXX. Untold. 

XXXX Phone : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX received XXXX XXXX XXXX {$100.00} paypal fee, called agent at paypal and told them it was A refund, agent told me to refund back to seller and have them " Refund me the money '' I did that on XX/XX/XXXX. seller contacted me and said he didn't have the means to refund me, only send it back. I called paypal agent again and they told me to have the seller call paypal. I contacted seller via email to have the seller call paypal. I have not received XXXX XXXX so I put a claim in with my XXXX XXXX charge card. response from XXXX card with sellers explanation that he tried and couldn't refund and claim has been denied by XXXX cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02
Company: Santander Consumer USA Holdings Inc.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a car loan through Santander Bank. My loan originated in XXXX. After 2 years of paying on the loan I couldnt understand why the loan amount was n't going down. I had talked to them in the past but never really paid to much attention. When I finally really started looking at my statements I came to discover that with the {$510.00} a month car payment I made only {$9.00} was going towards my loan every month..I couldnt believe it. Come to find out, they also added XXXX a day to another loan for a personal friend of XXXX she had no idea they were doing ... Her {$1600.00} loan turned into over {$15000.00} in the end ... Santander bank as a whole is a relentless corporation and they are thieves ... I feel that someone should seriously look into how much money they are stealing from consumers EVERY DAY!!! THEY NEED TO BE INVESTIGATED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX  XXXX, I submitted my application for XXXX to determine how many eligible payments I have made as well as if i received/am covered by the temporary waiver. I have received two separate correspondences informing me that they received my application but I have not heard anything since. I've tried contacting both XXXX and FedLoan Servicing to get an update in the status ; however, neither institutions are able to give me XXXXspecific information. I have periodically reached out to both institutions, with the most recent inquiries taking place during the week of XX/XX/XXXX. XXXX sent me a copy of my payment history but it does not indicate XXXX payments or the eligible payments under the government pandemic forbearance, and FedLoan Servicing indicates that they still do not have any record of me in their system. With the latter, I am constantly transferred and left on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America, fraudulent account opened, XX/XX/XXXX- {$37000.00} - A fraudulent account was opened in my name at Bank of America. 

XXXX XXXX, fraudulent account opened, XX/XX/XXXX- {$12000.00}.

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 2019-10-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I PAID A DEBT I WAS UNAWARE OF TO XXXX XXXX XXXX XXXX FOR XXXX AND THEY REFUSED TO PROVIDE ME WITH A RECEIPT TO FORWARD TO MY SUPERIORS AND REPORTED THIS ON MY CREDIT BEFORE I HAD KOWLEDGE OF IT. THEY SENT RECEIPT TO WRONG EMAIL AND SAID THEY HAVE NO WAY OF GENERATING A NEW ONE. I SPOKE TO SEVERAL PEOPLE AT THIS COMPANY AND THIS IS AFFECTING MY SECURITY CLEARANCE

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 2022-04-07
Company: Sezzle 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: Account information incorrect

Complaint:
I have constantly reached out to Sezzle company who advised me that I do not own any balance or debt. I have constantly disputed this account and balances and inaccuracies reporting. This has yet to be closed out and removed off of my credit report. I have emails of this account being no longer exists or any amount due.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: FL
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:
request for " Description of the procedures of re-investigation '' was received by Experian on XX/XX/2022 for XXXX accounts currently showing on my consumer report. Re-investigation by federal law are to be completed within 15days. I do not give consent to extend this time. 

in addition my Full Experian File was requested

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