BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi there, I have a chase business account. I have been a member with them for over 15 years and I rarely ever file a claim. On XX/XX/2020 I got scammed from a merchant from XXXX for {$750.00}. The product was for a service. 

On XX/XX/XXXX I submitted a claim that the funds were not as received. The merchant provided an agreement and that I signed and carefully selected screenshots of our conversation. and chase ruled in their favor without even giving me a chance to fight back. They said that the transaction was accurate.Upon calling them they asked me to show proof of the item which I had to reiterate to them multiple times that it was a service. 

On XX/XX/XXXX they told me I have to provide evidence on my end if they were to reopen the case. I went ahead and provided the remainder of screenshots of the conversation that the merchant did not provide. The part of the conversation where I kept expressing that the services were not rendered as described. 

Chase then ruled in the scammers favor again without giving me an explanation. Then on XX/XX/XXXX, I reopened the claim once again. Chase ruled in the favor of the merchant on XX/XX/XXXX without explanation. 

On XX/XX/XXXX I just called to figure out what happened and they told me its been 120 days since the charge so they can no longer help me. Even though they are the ones that took extra time in order to not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: MI
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 submitted this complaint to update this suspicious information. Experian Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Balance : {$1400.00}

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit Bureaus stated my accounts was properly investigation but how is that possible if the open date is inaccurate. the date last and last reported is not accurate, This is ground for removal they also violated my right under 15 U, S, C 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also that a consumer reporting agency can not furnish a account without my written instructions. 
In accordance 's with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX ACCT/ XXXX DATE XX/XX/XXXX XXXX XXXX XXXX  ACCT XXXX DATE XX/XX/XXXX {$730.00} XXXX XXXX ACCT XXXX DATE XXXX {$980.00} XXXX XXXX XXXX  ACCT XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX ACCT XXXX Date XX/XX/XXXX {$780.00} XXXX XXXX XXXX  ACCT XXXX DATE XX/XX/XXXX {$620.00}

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 non-monetary relief
Consumer complaint received 2022-08-08
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 2023-06-09
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have tried to send an international money transfer using online services of company MoneyGram. I've been using them for years for the same exact service. But this time it was very different. I sent the transfer on XX/XX/2018 ; the amount is {$480.00} directly deposited from my bank account. The company charged {$25.00} fee, so the final amount was {$500.00}. They withdrew the full amount from my bank account of Tuesday, XX/XX/2018. However, the transfer was not available for pick up till late night on Thursday, XX/XX/2018. When the receiver tried to get the transfer, it was declined for some unexplained " security '' issues. I have to note one more time that I do this operation once a month for years, so if there were security issues they should have been cleared by now.

When I talked to an agent of MoneyGram they said that they will credit the money back to my account but it might take up to ten business days. 
So MoneyGram is working my money out in their own interest and don't feel obligated to return it. I just hope this issue will be resolved and other people will not have to deal with this problem trying to return their own money back. There are many other money services to use without having to deal with money fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: VA
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 have been trying to place a security freeze through Equifax 's security breach site. After entering the required information and submitting the request, all I got was a page stating " System Currently Unavailable - 500 Error ''. The last time I tried, it seemed the request might have gone through but then another error page came up. As of Friday afternoon, XXXX XXXX, whenever I try to submit the freeze request I am presented with a page titled " Place, Temporarily Lift, Replacement Pin or Permanently Remove a Security Freeze ''. It appears that the freeze was placed, however I was never offered and have not received a PIN. 

Per Equifax 's own site at www.equifaxsecurity2017.com : " Equifax does not currently email or mail the individual 10-digit PIN to consumers. It is available on the screen, and the consumer is asked to print the PIN from the screen. Our technology team is aware of some limited situations in which consumers are unable to view their PINs. We have identified that this is caused by their browser settings. We are working on a fix for this issue. In the meantime, we are displaying a phone number that consumers may call to receive a PIN. '' Unfortunately I can find no such phone number and when I called the dedicated number set up for this breach the Equifax employee had neither knowledge of the PIN problem nor any suggestions as to a solution. There appears to be no way of getting a PIN short of sending a written request and paying a fee for a new one. XXXX and XXXX had no difficulties in providing me with a PIN despite my browser settings. 

Additionally, when I check my account at Equifax I can find nothing to indicate whether a security freeze is in place, where I might get my PIN, or indeed much of anything beyond links to for-pay services that Equifax is trying to flog.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2017-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Attempting to enroll in an online fee negotiating service that requires access to my online banking information on a " view-only '' basis, and Capital One will not grant access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Bull City Financial Solutions, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've sent out an Affidavit of Truth and Cease and Desist on XX/XX/2021. 
The response was incorrect according to the law. I then proceeded to send a Notice of Default and Opportunity to Cure on XX/XX/2021, which has been ignored. 

BULL CITY FINANCIAL SOLUTIONS , INC, is in violation of laws listed under the FDCPA. 

The law also states An affidavit unrebutted stands as Truth. 

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To whom it may concern, I am submitting this complaint to Consumer Financial Bureau because Discover failed to acknowledge and abide the federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications.

I sent this letter by certified mail on XXXX. Please refer to the exhibit 1a. On XXXX XXXX XXXX a letter was typed by me indicating to Discover that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/XXXX I drafted an affidavit of truth outlining the various violations and that of the federal law of 1692 and sent a letter and affidavit of truth on XX/XX/XXXX via priority mail see exhibit 1b. I am enclosing copies of over 13 violations or 16 in total of 15 USC 1692. Discover is in complete control of their internal IT department and it makes no sense, rhyme or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that Consumer Financial Bureau Protection agency enforce the laws and my consumer rights for these violations that have occurred. See exhibits A-U. 
Aslo, there is a violation of 1605a Finance Charge : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so lates are not included in the law passed by Congress on behalf of consumers. 



Thank you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: SYNCHRONY FINANCIAL
State: NY
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:
Synchrony Bank that I have an XXXX XXXX XXXX card through has been harassing me. I have had a payment scheduled for at least two weeks ( including my late fees in the amount of {$180.00} ) from a prior payment that was due. Regardless of the fact that a payment was scheduled they have been calling me every single day at least 3x per day if not more for the last two weeks. I understand that money is owed to the company on my end but with other companies that I have accidentally been late on a payment usually as soon as I schedule a payment there is a promise to pay and they stop calling me. This company called me twice today and the payment is scheduled for today and shows up on the website account page as being scheduled. Yet they STILL call me!

I don't know if it's harassment but it's not okay whatever it is. I have had so many problems with this company in the past and as soon as the school costs that are remaining on it are paid off I am so done with this company they do not care about their clients.

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 2022-08-08
Company: EQUIFAX, 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:
This is a follow-up on complaint XXXX in which Equifax claims an erroneous record on my credit report doesn't exist. The account XXXX XXXX XXXX XXXXE XXXX still exists on my credit file with Equifax as of XX/XX/2022, I verified this using my.equifax.com. This account is over seven years old and needs to be deleted immediately. Equifax refuses to respond to disputes. XXXX and XXXX already deleted this months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing bought my mortgage from Ditech when they filed for bankruptcy. My monthly bill of {$1500.00} has been paid on time to both Ditech and Shellpoint since they took over. I am being charged for insurance which I have as part of my condo fees. They have been sent documentation and when I called and spoke with the insurance dept. they acknowledged it was received. They are still charging me and deduct insurance cost from my payments and charging me late fees because they say my payment is short. All the late fees and insurance cost amount to thousands of dollars and now they refuse my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
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:
This complaint relates to the Equifax data breach. It has been reported that our very private financial information was not encrypted. Is this correct? Why ca n't we reach someone at Equifax via phone or email? Am told by automated system they can not process request to freeze credit. Same response from XXXX, and XXXX Have called all agencies twice, and emailed Equifax without a response. Why are n't we getting direction from The Consumer Financial Protection Agency. CFPB has been silent. We need to know what to do NOW! Why is n't there a crisis protocol when over 140 million are affected? Should remove " protection '' from your name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, 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 2021-01-22
Company: Greater Collection Agency Bureau, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the debt owed was {$430.00}. We received a call from another company saying they had the debt and we needed to pay it. I can't remember when they first made contact but they took the first amount out as follows XX/XX/XXXX - {$60.00}, G.C.A.B XX/XX/XXXX - {$60.00}, GREATER COLLECTION XX/XX/XXXX - {$60.00}, XXXX XXXX XXXX XX/XX/XXXX - {$60.00}, G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B FOR A SETTLEMENT AMOUNT OF {$390.00} THE MONEY WAS TAKEN OUT OF MY ACCOUNT THAT WAS SET UP THROUGHT THE COLLECTION AGENCY THAT TOLD ME THEY REPRESENTED XXXX XXXX. THE " COLLECTION AGENCY '' THAT FRAUDED ME OUT OF MY MONEY WAS GREATER COLLECTION AGENCY BUREAU XXXX XXXX  XXXX XXXX NC XXXX PHONE NUMBER ( XXXX ) XXXX FAX NUMBER ( XXXX ) XXXX EMAIL : XXXX. THEY TOOK THE MONEY OUT OF MY ACCOUNT ON TIME AND DID NOT TAKE ANYMORE THAN WHAT WAS " OWED ''. THESE PEOPLE ARE A FRAUD!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2019-12-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Each time I apply for a AMEX card even if my score is XXXX they will find a reason for declining. First I was pre approved and then the decrease decline. I have been a victim of identity theft and XXXX was used to open up fraudulent credit, it has been since resolved. Each time I try to obtain credit they dont give me the chance to provide identity and decision is unable to verify customer. I have a fraudulent alert on my credit report and they dont even bother to call me back at the number or send me a letter requesting more documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has repeatedly called me for almost 8 years, as well as mailing threatening letters. This is in regards to an electric bill debt with XXXX XXXX, OH from XX/XX/2008. They call with various out-of-state phone numbers. When I block one, they just call with another. Lately, they have called me almost daily from XXXX. They have called from this number 10 times already this month. This is harassment on a debt that is 10 years old and I would like all communications from this company to cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I placed an order on this website : XXXX XXXX XXXX When I checked out, it took me to the PayPal page of XXXX XXXX XXXX XXXX ). I made the payment- which is this transaction. I never received any confirmation email from this website for my order and I suspect this is a fraud site and PayPal account. I need a refund of the amount I paid - XXXX USD.

Company response to consumer: Closed with monetary relief