BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-22
Company: Paypal Holdings, Inc
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My account was suspended due to fraud and was debited {$500.00} due to an error for a chargeback that was already paid back and I submitted attorney paperwork to the bank that sent the chargebacks to my account I have had for over 5 years but it was not reviewed and my account was closed with no review or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid to other collection agency. XXXX agency and XXXX also said is the same 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 explanation
Consumer complaint received 2016-10-25
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my XXXX 2016 statement from Seterus showing A total amount due of {$3300.00}, showing a past due amount of {$1600.00}. I immediately called Seterus on XXXX/XXXX/16 and talked with XXXX XXXX. She told me everything was OK. I asked why was it showing I owed for last month when the check was received by them and paid to Seterus on XXXX/XXXX/16. She stated that the payment is due on the XXXX of each month. However, it will not be reported to the Credit Bureau unless after the XXXX of the month. I indicated to her that this does not made any good sense and asked her if this is going to happen every month showing no payment received and why were their system changing to show no payment had been made. I noted that nothing had been applied to the Principal, Interest nor Escrow and the Outstanding Principal Balance remained the same as the XX/XX/XXXX statement of {$180000.00}. I assumed it would be corrected on the XX/XX/XXXX Statement. However, when I received my XX/XX/XXXX Statement, it showed, again, that I was past due for the previous month. The Principal, Interest and Escrow is incorrect because nothing was credited for XX/XX/XXXX as well as the outstanding Principal Balance. There are serious errors with these statements and I want the proper credit for the month of XX/XX/XXXX because nothing was credited as well as stop showing that I am a month behind on every statement because this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, my purse was stolen. I immediately cancelled my debit and credit cards, but it did not stop the perpetrator ( XXXX ) from successfully cashing a {$1900.00} check from a bad account against my checking account. When the check came back bad on XX/XX/XXXX, the charge hit my bank account. I called Capital One right away to question the charge. It took a while for me to get a copy of the check which was forged. I supplied a copy of the check as well as my updated drivers license with dates so I can be reimbursed on XX/XX/XXXX after being tossed from department to department and numerous phone calls. I called again today after the last person I talked to said there should be an update and was told there was none. It looks like they have 10 days to review my case and it doesn't appear they've even updated it. I was told I can keep calling back, but it doesn't mean the status will change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute with Equifax three times asking for them to remove a collections on my account. Each time it has come back as verified even after I have provided proof for them to delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian purchased a fraudulent contract from Attorney XXXX XXXX XXXX. The XXXX XXXX XXXX firm has absolutely no proof that they have rendered any service amounting to that amount. I paid them a small amount for a 30 day eviction notice. That is the only service that they performed for me. All anyone has to do is contact the XXXX XXXX XXXX firm and ask them for any documentation supporting their claims. Experian did not do that. Experian tells me that they are not required to check the validity of claims.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX, XXXX & XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$6800.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}

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 2022-10-18
Company: EQUIFAX, INC.
State: TX
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. 

Account : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2022-10-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole my debit card information and charged several XXXX dollars, i notified Chase within a few days once i noticed and opened a dispute.

chase waited approximately 2 month and closed the dispute as denied and debited my account the disputed amount without notifying me prior or providing me any period to dispute the merchants claim.

Based upon information gathered from chase reps the merchant came back with my name and address and an IP address where the charges were made from, which the bank already knew they had my name and address as the authorizations on those charges showed them that. 

They used the response from the merchant to determine that i made the transactions even though i did not, simple providing my name and address is not proof of any authorization. 

Further the merchant provided an IP address ok great, the issue is upon reviewing the IP address service provider it was not and is not a provider that i use at home or work, additionally my ISP would never be visible to any end point as all traffic from my home is routed through a VPN as my employment requires that since i work from home sometimes. 

had chase done a meaningful investigation this would have been revealed instead they decided to breach our contract ( deposit agreement ) which clearly states that as a consumer i have no liability for transactions made fraudulently so long as i notify chase of the fraudulent transactions within a reasonable amount of time. 

they failed to notify me of a merchant response or to request any further documentation from me that could have easily shown that the merchant was in fact not providing any information submitted by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28
Company: The Regional Adjustment Bureau, Incorporated
State: NE
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Collection companies buy and sell a student loan debt that is not valid debt of mine. I have written each company that has serviced said debt to explain that this is NOT a valid debt and the collection company either sells the debt to another company or has another collection company service the invalid debt. The latest debt collector is Regional Adjustment Bureau, INC of XXXX, TN XXXX XXXX XXXX XXXX. This aforementioned company continues collection efforts after written and verbal notification of invalid debt and solicitation at a work phone number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: Nelnet, Inc.
State: DE
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:
I first contacted MyGreatLakes about requesting a refund on all payments made during the covid-19 forbearance on XX/XX/2022. I worked with the customer service representative to formally request a refund. I was told that refunds would be processed in no more than 30 days. After that timeframe passed, I contacted my loan servicer on XX/XX/XXXX to get a status update. I was informed that the new timeline was XXXX days from the date I called as a follow up when my refund should have been completely processed. It is now XXXX XXXX, 54 days from when I was originally told 30 days. I called today, and they still have no update for me. I'm very frustrated and federal loan servicers need to be held to a standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am attempting to obtain a mortgage loan, and noted in my credit report an item from XXXX ( XXXX ), a debt collection agency in XXXX, WA. Because I was unfamiliar with this item, I contacted XXXX, and was informed that the account listed on my credit report ( XXXX ) was not my account, and instead belongs to a XXXX ( a name which is very similar to my own ). Because time is of the essence, I requested that XXXX provide the credit bureau documentation stating that I do not owe this debt, so that the item could be cleared from my credit report. I was told that they were unwilling to provide such documentation because the mistake was made by the credit bureau, and not XXXX. I then contacted TransUnion, I was told that the mistake was made by XXXX, and that my only recourse was to dispute the items and wait for XXXX to respond, which could take up to 30 days, or to request a letter from XXXX documenting the error. When I informed TransUnion of XXXX 's refusal to provide such documentation, they stated repeatedly there was nothing they could do, because " it 's not our error. '' Frankly, it is infuriating for two companies to each be playing the blame game, pointing the finger at the other, and leaving the consumer mired in red tape and caught in the cross-fire. Further, waiting 30 days could delay closing on my mortgage and jeopardize my ability to complete the purchase of a home. Both Trans Union and XXXX should be accountable for fixing mistakes. Particularly because Trans Union earns revenue from credit reporting, it 's completely inappropriate that they should directly benefit from reporting erroneous information, and claim that they have no responsibility in correcting mistakes beyond filing a dispute. They should have processes in place to expedite claims, or otherwise assist consumers who report incorrect information. The current system is akin to being held hostage by a credit reporting agency who is in cahoots with a crooked collection agency.

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 2016-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX ( XXXX ) XXXX ext XXXX Following several disputes with the credit bureau ( s ) ( TransUnion and XXXX ) and phone calls to XXXX, neither of these agencies can produce any proof this account is mine, tell me what it is for, or produce any signed document correlating me with the account. In addition upon connecting with XXXX, first they stated this is a medical bill ( I never received medical care ), then it was for tuition reimbursement ( never received tuition payments ), then it was for school reimbursements. To date XXXX can not produce a single document correlating me with the proposed amounts owed.

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 2021-01-07
Company: AES/PHEAA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
there is a derogatory Macy 's account in my credit report that does not belong to me. I have a current Macy 's account that is up to date on payments and has been that way for over 20 years. I need this to be cleared so that it reflects my actual information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022, I contacted Fay Servicing, and I was told by the Representative that they could not speak to me because they said I hired an attorney, and they need a letter from the attorney to allow them to speak with me. I did not hire an attorney. 

I am concerned because although I would like to stay in my home, I have put it up for sale and I had a buyer, and the mortgage company is not communicating with the realtor. 

I contacted Fay again on XX/XX/2022 and their representative told me that she could not speak to me because I hired an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Paypal does not disclose that it charges fees on requested payments ( XXXX ). In this case, I requested {$500.00} from my mom through paypal assuming that the requested transfer would be free in the same way as if I requested payment through Venmo, another Paypal owned service. Instead, when my mom paid me the {$500.00}, I only received {$480.00} because Paypal charged a {$14.00} fee. That fee was never disclosed to me or my mother ahead of the transfer. Paypal claims that because the transaction was categorized as " Goods '' the fee can not be refunded but the way Paypal setup the request, there was never an option to change it to the " Send money to friends or family '' which normally results in a free transfer. Nowhere in the process was the fact that a fee would be charged disclosed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12
Company: Paypal Holdings, Inc
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I did set up funds withdrawal from my PayPal account to my bank account on XXXX XXXX, 2016. 
Money have not arrived by now, it is XXXX XXXX, 2016 today. It is more then 1 month now. I did XXXX transfers for {$15.00} XXXX and {$210.00} XXXX on XXXX XXXX, XXXX both transfers were lost. I contacted PayPal regarding this number of times but I still have not seen the funds at my bank account as well as they have not returned to my PayPal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
Company: Albert Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2022 is the date of when they suspended the account indefinitely. {$4000.00} dollars were left in the account and they are saying they can not do nothing about it. I need that money back as soon as possible please

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 2022-10-18
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX I was a victim of Identity theft and I filed a police report. There was someone attempting to open bank accounts and obtain other accounts with my ID and other identifying information due to someone stealing my information. I contacted Experian to dispute a company by the name of XXXX. I contacted experian and I disputed the inquiries and the actual debt. Experian removed the inquiry but left the debt. Subsequently on XX/XX/XXXX I filed a new dispute and uploaded police report Experian maintains debt is valid and disregarded police report and failed to provide me proof of validity of debt. I have not received any correspondence from this company outside of my credit report and calling the number abs sending in an affidavit via email disputing these three 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 non-monetary relief