BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I interviewed and accepted a new job. A week later the company sends me two checks for training/work materials to get started. I physically take the two checks into a local chase bank, they accept the deposits and are approved. A few days later the funds become available, and the company instructs me to send the funds to suppliers to purchase the training/work materials. Days later I get a notification that the checks have been retuned and the accounts have been closed so my checking account is immediately overdrawn by {$6500.00}. Chase takes the little money I have in my checking and savings wiping out all my money with on help. I try contacting the company ( XXXX ) and they don't respond, come to find out I was a victim of job fraud, and this was no ordinary fraud this was highly skilled individuals using the companies material, doing this to people across the nation. Chase takes no liability in letting me use funds from these deposited checks, didn't notify with any concern or inform me to wait any amount of time after the funds became available. I now have no money, can't buy food or anything at all. I met with the local branch manager, and he can't believe this is how Chase treats there customers who are victims of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from XXXX XXXX XXXX  I a re XXXX XXXX XXXX XXXX XXXX  demanding {$150.00} or Settlement of {$95.00}. This is an attempted Shake down for a debt discharged In chapter 7 bankruptcy as of XX/XX/2017. I have not attempted to contact this entity So as not to validate this Matter unwillingly because it is invalid due To the discharge afforded by the XXXX XXXX XXXX This Company is trying to perpetrate A fraud during this tax season, As is in common by Collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: SC
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:
Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX  Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$1400.00} is wrong, and so is the past due amount of {$1400.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paypal has stopped verifying street addresses on delivery confirmations. Fraudsters are aware of this and are selling fake goods, mailing a worthless package to a different address in the buyer 's city and zip code, and using that delivery confirmation to get the disputes closed. Paypal asked for proof from USPS that the seller shipped the package to the wrong address, but when I provided it they closed the dispute again without reviewing it. I've tried escalating or reopening the dispute to no avail. I've called their phone number to try and talk to a real person but the phone line simply hangs up on me after it says it will transfer me to an agent. The PayPal dispute case is XXXX. The USPS service request is XXXX and the USPS item # XXXX confirmed the package was scanned and delivered to an address other than mine. PayPal has received written notification from USPS confirming this, but they still won't return my money. Furthermore, I spoke to the actual mail carrier that delivered the package and they confirmed the package was too small and weighed less than one pound to have possibly been the merchandise I ordered. This is a clear scam. Paypal 's poor business controls and negligent dispute process is perpetuating this fraud. In speaking with USPS they confirmed this is a very common occurrence and a growing fraud that needs resolution. I am more concerned about how many other Americans are being taken advantage of in this manner than getting my own money refunded. I can live with this loss, but there are vulnerable populations like the elderly for which this could be financially devastating. Please investigate this fraud and PayPal 's negligence in perpetuating it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07
Company: Maury Cobb, Attorney at Law, LLC
State: AL
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:
XXXX XXXX is incorrectly report a derogatory mark to all three of the credit bureaus. Account was taken care of with the original creditor XXXX  XXXX. XXXX  was charging us for equipment that was not returned after the account was closed. Contact XXXX  on XXXX XXXX, 2020 and they email us the three ( 3 ) separate labels to return 3 different pieces of equipment. The equipment was mailed back via XXXX to XXXX  AND accepted at XXXX  XXXX  loading dock on XX/XX/2020 @ XXXX XXXX. I contact XXXX   network directly and they credited the account for the equipment, waive the early termination fee because the contract was cancelled because a truck stuck the home rendering it to be unlivable and eventually the home was torn down. After they credited the account the remainder of the balance {$150.00} was paid in full directly to the original creditor XXXX XXXX. XXXX refused to remove the incorrect negative information citing the account is no longer with them it is now with MAURY COBB Attoney @ Law. I have contact Maury Cobb the advised they no longer see a balance and to contact XXXX to have the incorrect balance removed. We disputed the information with the credit bureau and XXXX continues to report incorrect balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is computation error or similar in the two-year payment history. Showing inaccurate reported for XXXX XXXX XXXX XXXX  needs to be deleted as soon as possible. It has to be deleted to show 100 % payment history. The account overall is positive and good standing. I am attaching supporting documents. FTC Report has been attached.

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 2016-03-03
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am steady receiving harassing, threatening, and abusive phone calls and death threats, from TCF Bank debt collectors for an unauthorized and fraudulent checking account, someone opened in my name illegally and fraudulently. I never applied or opened a checking account with TCF Bank.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Synovus Bank
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Two names were on the title of the property. One of the persons on the title was employed with the loaning company called Synovus. That person received a loan with only that person 's signature ( the above listed person ) and the other person on the title did NOT sign in XX/XX/XXXX. The signee is now going bankrupt ( the only individual that signed for the loan ). There has been no release of the loan off of the property. In XX/XX/XXXX, no title search was done to determine if there was more than one person on the title. No title searches were done on the original loan or either of the renewals. In XX/XX/XXXX she renewed the notes on the property and the bank assigned rent. There is a possibility of repossession of the property against the person whose signature is missing from the loan. Later in XX/XX/XXXX a quick claim to the person whose signature is not on the XX/XX/XXXX loan was filed. The person who borrowed the money filed a quick claim to the other listed person on the title ( who never signed on any of the loans ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Square Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Cashapp has received 30 deposits from the government UI office of Ga and will not add the funds to my account On XX/XX/2020 26 deposits were sent On XX/XX/2020 4 deposits were sent Totaling {$9800.00} I have emailed cashapp over 40 times and they keep saying they are working on my issue It has been going on a month and still I dont have my money Please help us We are being evicted from our home and our auto insurance has been canceled because of this Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( 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. 1681s-2 ( a ) ( 1 ) Section : States a person shall not furnish any information relating to a consumer to any reasonable cause to believe that the information is inaccurate.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Transunion as of XX/XX/XXXX report has said that due to public records and high balances that it can effect my credit score. The law pass in XXXX states that no credit Bureau can place or use collections and Tax liens against you. It seems that Transunion does not follow the laws. Trans union is going off of 3 RD Parties in which has no support or proof of the real amount or if any balance or amount is correct. I also had ask 3 months ago for proof from Transunion in which no documented proof nor any proof from the source has been provided as. I requested documentation to support what there saying to high credit card limits & collections or liens. Transunion also has had bad issues after items have been deleted and no longer on my report. Transunion also does not factor how much was deleted by the creditor in error/ greater. With credit bureaus its no more than a game if you pay it off or closed the account TransUnion tries to use it against you. TransUnion has a creditor place bad information in which its recall and informs the credit bureaus of errors and to delete the such said itmes

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 2021-02-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez XXXX has not paid my property taxes and out of my escrow account and my account is now delinquent. The company has not been helpful in resolving the matter. They continue to give me the runaround, end calls, transfer calls, etc. I have been calling them for two months regarding this issue. I have never, ever dealt with such horrible customer service. Not one time has my call been returned, I have not received one update regarding this issue or any resolution whatsoever.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: WELLS FARGO & COMPANY
State: FL
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 was charged 2 overdraft fees ( XXXX XXXX XXXX for transactions ( {$8.00} and {$8.00} ) dated XXXX. My ending daily balance for XXXX was {$7.00}. Wells Fargo is charging these 2 overdraft fees based on pending charges that are dated for XXXX. The charges that are labeled as pending transactions and have not cleared my account and I can always make a deposit that would have covered these 2 charges that are currently pending. Or those charges could fall off. They have not cleared my account. I don't feel I should be charged overdraft fees based on charges that haven't cleared my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-10
Company: KEYCORP
State: FL
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:
After speaking with multiple representatives from Key Bank and XXXX, I am still unsure as to the why I am no longer eligible for forbearance. I am told by the representatives that I have already exhausted my time in forbearance ; however they will not or can not explain the policy or law-basis for the time limit. Simply put, I would like to understand what the forbearance time limits are and what, if any, similar options are available. 
I finished my degree on XXXX XXXX, XXXX. As such, I do not have the financial resources to pay the required amount owed. So, in an effort to determine and understand my forbearance options, I contacted both XXXX and Key Bank multiple times. My most recent attempt was a call on XXXX XXXX, XXXX which resulted in an attempted transfer to a manager by the representative, which resulted in 30-plus minute hold and then a call disconnect. 
Because, after multiple requests, I have not received an explanation as to the basis for the exhausted time allotted for forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 2018-08-04
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts from IC Systems. I have made several calls to the original collector XXXX and XXXX XXXX collections and Fraud and no one is able to help me or tell me what this is about. Today they advised this may be fraud and that I should dispute this account. The only account number I have from collections company is XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for this agency furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have. The account that is showing on my Credit Report is XXXX and thats also a violation because account number should be dislosed. 

Please resolve this. 


Thank 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 explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: AR
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 am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$220.00} USDEPTED XXXX {$2000.00} XXXX  XXXX {$3200.00} XXXX   XXXX $ XXXX XXXX {$3200.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$1000.00}

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