BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian, XXXX, and XXXX continue to record XXXX XXXX on my credit report even after a letter I sent to XXXX opting out on XX/XX/2023. My option to opt-out follows 12 CFR 1016.7 Form of opt-out notice to consumers ; opt-out methods.

( a ) ( 1 ) Form of opt-out notice. If you are required to provide an opt-out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt-out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt-out right.

Additionally, according to the Fair Credit Reporting Act 15 USC 1681 section 602a " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear XXXX XXXXXXXX, Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. This is effective immediately and indefinitely. 
Thank you, With my signature.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account of XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality. 
15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A section B. States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C inaccurate credit reporting directly impares and undermines the banking system and public confidence. 

I would ask and recommend that XXXX XXXX ACCOUNT be takin off of my credit and consumer reports immediately.

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 2023-12-10
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Final bill was sent with a credit and as a result of this credit I was sent a debit card for the overpaid amount. I have proof of final 3 invoices. I left XXXX with a credit on my bill and after 90 days they sent me a debit/credit card with the remaining {$99.00} credit that was left on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Block, Inc.
State: NC
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 writing to file a formal complaint against CashApp regarding their negligent handling of my fraud claim. Despite my repeated attempts to address the unauthorized activity on my CashApp card, I have been met with unprofessionalism and a lack of response. 

On XX/XX/2023, my debit card number was stolen and used to make an unauthorized order through XXXX at XXXX XXXX 's in XXXX, AL. I immediately reported this incident to CashApp, suspecting a security breach at XXXX XXXX 's mobile system. Multiple customers, including myself, have reported unauthorized charges from XXXX XXXX 's, as confirmed by the store managers. 

Despite providing CashApp with evidence, such as the receipt and delivery location, they have failed to provide a clear explanation or resolve my claim. My attempts to contact their customer support team have resulted in empty promises and unfulfilled assurances. This prolonged lack of response has left me feeling ignored and helpless. 

I kindly request your assistance in addressing this matter and ensuring that CashApp takes appropriate action to investigate and resolve my fraud claim. I believe that their handling of this incident has been negligent and unprofessional, and as a loyal customer, I expected better treatment and a prompt resolution. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My father co-signed my sallie mae student loan, I did not know that he agreed to pay a specific amount every month on it because he wanted it to be a surprise to me that when I graduated I would not owe as much as I would have thought. But, Unfortunately, My father has passed away and now 2 years later sallie mae won't listen to me when I tell them that I had no idea that he made those arrangements and now he is dead, How can I be responsible to repay what I never knew I had, I no longer obviously use sallie mae but I have tried to reason with them for a payment plan as I am still a XXXX XXXX XXXX. They are very Rude and Not understanding or caring at all!!!!!!!!, Actually they have been very disqusting ..... I am willing to pay my loan, But I have to work out a reasonable monthly payment due to the fact that I am still a XXXX XXXX at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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 one of the individuals likely affected in Equifax 's security breach. They inadequately protected my credit information, and did not respond in a timely and appropriate manner once the security breach was discovered. I have put a fraud alert on my file and checked my credit report through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CL Holdings LLC
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 confidential under 15 U.S.C 1681.

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 an account without my written instructions.

15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-10-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My PayPal Credit Card was randomly closed without formal correspondence. ( Neither written nor digital. ) I did not request to close the account and my account has stayed in good standing. Purchases were regularly made using the card and payments were persistently posted on time. I would like an explanation as to why the card was closed and for the account to promptly reinstated. This is not a fair situation, and I question the legality of closing an account without any correspondence what-so-ever.

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 2019-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Card Issuer : Bank of America Credit Card, XXXX XXXX  : Unapproved merchant declaration of charges. Fees were not reimbursed. 

The point when charged were constructed I was in ownership about card. 

Another Witness : Any voicemail demonstrating all transactions associated with it. 

Suspect fraudulently utilizing my card : XXXX XXXX  I have not utilized alternately authorized whatever one to utilize my charge card//credit card. Attachments : Copies of company policies and procedures. Bank record copies. Act-related copies of invoices. Exactly voicemail speaking to every one related transactions. Record audits to determine the amount of loss. 

Discrepancies also surprising transactions on invoice. 

The vendor 's expressions alternately regulate activities about starting with the following impacts of the individuals ' condition. 

Listed persons are in custody and control of the originals.

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 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Victim identity theft account takeover within first 20 days deposit XXXX sent fbi reports ftc nypd etc and they saying they paid my claim but not my husbands who they said no bank error found but didn't realize they were sending his debt cards statements etc to the address of the people who stole identity and sent 30+ supporting documents of proof but say they paid my claim in full mov XXXX but didn't still didn't secure account my husband never once got mail or debt card been fighting with them for 13 months over this when they alerted us of it!

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 2017-02-21
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was tranferred on XXXX XXXX, XXXX from XXXX to XXXX XXXX XXXX XXXX serviced by Shellpoint Mortgage Servicing. The mortgage payment includes escrow payments to cover property taxes and insurance. Shellpoint failed to make the property tax payment and claimed it is the fault of XXXX even though the loan was transferred on XXXX XXXX, XXXX and the tax payment was due XXXX XXXX, XXXX. At this point, I 'm not certain who is responsible but know the money has been collected by Shellpoint. On XXXX XXXX I received a letter from Shellpoint stating my escrow account has a surplus and they were refunding the overage but failed to explain why their was an overage. I did n't realize the property taxes were not paid until my federal income taxes were prepared. My first contact at Shellpoint claimed it was not their responsibility and to contact the previous mortgage company, XXXX. XXXX claims it is the responsibility of Shellpoint. My third attempt for resolution was a call to Shellpoint reaching another service representative. This person claims it is the responsibility of Shellpoint and the taxes will be paid by them but she could not provide a date when the transaction will occur. I will encounter additional fees and penalties if the taxes are not paid by XXXX XXXX, XXXX. I do n't know who to believe at this point.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charged over {$600.00} in over draft fees over the last 3 months. 

If you change the order in which the debits occurred from lowest first to highest it would eliminate most of the over drafts. Also many of the debits were less than the fee of XXXX making them no different than triple digit loan shark loans. 

PNC treats all online purchases made with a debit card as ACH which means it does n't matter if you are opted in or out of overdraft coverage, they can decide to cover the debit or not and charge the fee either way. 

All debits made on Saturday and Sunday do not process until Monday morning, which make the mobile banking part of the Virtual Walet pointless. 

NONE of the 15 over drafts I was charged were reversed even though there were circumstances that would warrant doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting 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 a recent check on my credit report and found some unrecognized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Lendmark Financial Services
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LENDMARK XXXX  this loan was taken out without my consent I contacted creditors do not respond to call, or letters ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom It may Concern, I am writing this letter in regards to my XXXX   XXXX Account. 
The account that I had with XXXX has been paid in full and is not being reported on my credit report correctly. A letter was sent to me about my account and stating that the account was updated. As of today my information from the Credit Bureau have not been updated.

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 2023-12-02
Company: SinglePoint GI
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This was previously disputed, however, the company stated that no threats were made. The call was recorded on their end and the company provided no proof of that recorded phone call which stated this debt would not be turned into a collection until XX/XX/XXXX. That was a lie, they reported it before XX/XX/XXXX without giving me the opportunity to pay the debt in full. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Incomm Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Thursday, XX/XX/23 I went to XXXX to buy a XXXX gift card for online use because I only had cash. I loaded it with XXXX. The same night I was trying to purchase something on XXXX for XXXX and the money wouldnt go through, so i kept checking on their website on securespend.com. It said at the back that I had to wait XXXX before it could get activated, even though the website says it has been activated, so I did. While waiting i kept checking their website to see if the balance changed and the money went through, but no changes. then earlier this morning Friday, XX/XX/23 their website wouldnt let me in anymore. After waiting for more than XXXX, I called the number and then asked for a live teller. The teller asked for my name, card number, expiration date, how much was on the card, and XXXX digit number at the back of the card. After this they said my card is on hold because it has been compromised. I told them no it has not been compromised because its only been with me, but they insisted that it may have been so they decided to get a replacement card for me. They then asked for my address and said it will arrive in XXXX business days. I said a month was too long and so they said i could get it in XXXX business days. XXXX writing this complaint because I do not have an ounce of trust that I will get that card in XXXX business days. The teller that answered me had an XXXX accent, and they could not give me enough information to satisfy and give reason on what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Chime Financial Inc
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Someone hacked into my phone and hacked into my Chime bank account and stole my XXXX check and my financial aid check amounting out to {$1000.00}. And another dispute amounting out to {$450.00} I disputed with the Chime support XXXX times in the past XXXX days and rebuttaled XXXX times in the past XXXX days Ive contacted Chime XXXX times in the past XXXX days. I got hung up on XXXX times and the rest of the time they lied and said that no error occurred I provided evidence that an error did occur. I filed a police report With the police and in the police report, it stated that Chime needed to refund me. They are refusing to refund me. They are refusing to go through with the claim. They also told me several times that I qualified for a provisional credit for the money that was stolen and then sent an email saying that they were not gon na give me that money that was stolen from my account afterwards several times I also wrote a letter explaining everything as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these fraudulent hard inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Please refer to the last complaint XXXX. This ccomplaint was sent to XXXX aswell On XX/XX/2023, both myself and the owner of XXXX XXXX showed up at XXXX XXXX XXXX branch at XXXX XXXX XXXX XXXX XXXX, XXXX WA, XXXX to get our {$3000.00} dollar back. We worked with the banker there, but XXXX fraud department is unwilling to work with us to get our money bank. XXXX required Chase bank to recall the funds. Both myself and the sender ( XXXX XXXX ) talked to Chase Bank on multiple occasions. Chase Bank stated the money transfers were verified and that they can not reach out to XXXX because of their policies. Now I understand that XXXX deemed this is suspected fraud from the beginning, but all misunstandings would have been prevented if XXXX did their investigation and reach out to Chase to verified the transactions, but the process did not get done. We can not help but feel helpless that none of the banking institutions are willing to work with us. These are not XXXX or Chase money, but they are holding our money without providing working solution. We can not help but feel robbed of our hard earn money. Both myself and XXXX XXXX are willing to work with XXXX or Chasebank to find a solution. XXXX XXXX is willing to talk to XXXX and provide any information that is required I plead to CFPB to investigate this situation and help us find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 credit report ( XXXX  TransUnion, and XXXX  ) are reporting collections information from a company called XXXX. The additional information being supplied by XXXX contains information about where and when I received healthcare. There is not an original HIPPA release form on file. Because the name of the place where I received service is also reported, it reveals very personal information and in this case is a HIPPA violation.

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 2023-11-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a laptop from lenovo on XX/XX/2022 and had some confusion on what card I used. I used the wrong card so I returned the item so I could purchase on my business card. XXXX ( I bought a laptop ) refunded my money and sent multiple confirmations of the refund at my request as well as transaction IDs for the refund, but it never appeared on my card. I included all info in my requests to chase yet they refuse to give me my money back. Since this is a credit card I had to pay it to keep it from accruing interest, but since I returned the item chase essentially stole the money form me.

Company response to consumer: Closed with explanation