BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was a credit card transaction for a balance transfer of XXXX dollars from a XXXX  XXXX XXXX credit card to a Chase credit card. This transaction appeared on my bank statement XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: PNC Bank N.A.
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I have a Certificate of Deposit with PNC Bank. On XXXX XXXX, I sent a notarized letter requesting this account be closed. I have received no communication from the bank, but after calling their helpdesk, I received confirmation that the account had been closed. 

It was claimed that a check was sent to me, though I did not receive it. On XXXX XXXX they claimed that they would resend the check. I did not receive that check either. On XXXX XXXX I called and complained again, and they said they would resend the check overnight. It 's XXXX XXXX and the check still has not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made complaint about XXXX  credit card for wrong fully charging me late payment, interest fee's.My Credit Score was XXXX-it drop down to XXXX score But XXXX  and Equifax Never fix my Score on credit report.I want them to raise my Score from this incident up 56 points today. 

XXXXPrint complaint, Submitted to the CFPB on XX/XX/2020 XXXX  XXXXe has lower score and it never got fix after XXXX Broken Law and Charge me {$25.00} late fee same day my payment was due, plus interest, but my SCORE Pludjer down hill.Maybe this is wrong place to make complaint maybe XXXXXXXX or I am on Trump Commitee people here Not doing their Job watching out for Tax payers! Why is it everyone as Business can Break the Law and XXXX does Nothing, No-Fine, No-nothing if i Broken Law i had to pay fees ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: NV
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 recently looked at my credit report and seen various fraudulent accounts. I need these fraudulent accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company,   XXXX   XXXX  , and  XXXX  financial and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six  months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more tha n one occasio n, and neither  XXXX    XXXX   or this bureau has done anything to address the creditors disregard for the federal laws.     I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had  XXXX   XXXX  account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a car-loan with   XXXX    XXXX   XXXX  that was in delinquent status when it was paid off in  XXXX   2014  by my insuranc e carrier,   XXXX   XXXX . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,

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 2020-03-12
Company: AES/PHEAA
State: NJ
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:
Hello, I have been having an issue with getting a recount of my qualifying payments for PSLF through FedLoans. I was employed by XXXX XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX with no gaps in my employment and consistent on-time payments. 
Payments between XX/XX/XXXX and XX/XX/XXXX are not being counted towards my qualifying payment. Fedloans has counted that time period as a gap in my employment despite phone calls and emails trying to correct this. 

The issue is I was on XXXX  leave during that time period. I was given wrong information by the initial FedLoan employee I spoke to who told me to submit two different Employment Certification forms to exclude the time I was on XXXX leave. I listened and initially submitted two different forms, leaving a gap from XX/XX/XXXX-XX/XX/XXXX for my XXXX  leave even though I was still employed and making payments during that time. I later did my own research and spoke to a different FedLoan employee who said that my XXXX  leave counts towards my total qualifying payments because I was still employed and making payments. I resubmitted my corrected Employment certification form to FedLoan at least two times, both times they said they would correct the count. I just received a second recount that still does not count the payments made during my XXXX leave and shows a gap of employment which is incorrect. 

Additionally, I submitted my first employment certification form in XX/XX/XXXX. It then took 4 months for Fedloans to process and consolidate my loans. So, the payments I made during that time are not counted toward my payment count. The 4 month period for consolidation was not under my control, is there any way for these payments to be counted? 

Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hello, I have been Seriously Scammed a few times by people I have trusted, However, these people had sent me bad checks and I had cashed them not knowing they were bad and I was punished for it by my Banks and it was not my fault! It shut my bank accounts down and the cashed checks that were bad went on my credit report. The amount is so high I can't remove it, and I have no help from anyone. I am on long term XXXX and have been for over 25 years, I just wish to get mt Credit Score straightened out, I know I will never see that scammed money to pay the banks back which totals {$21.00}. 
Warm Regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
In XXXX there was an account opened in my name with navy federal fraudulently. In XXXX there was a balance put on my credit profile and has been there every since. I've had this item removed before, but navy federal placed back on my credit. 

I've filed a police report in XXXX and XXXX, a long with a federal trade commission identity theft report created.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving numerous phone calls at my place of employment from MCM from a XXXX XXXX after I have advised not to contact me at my place of employment. I have not been provided in any letters about any debt resolutions form this company and I would like written verification and phone calls to cease at my place of employment. He has been calling from XXXX ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I leveraged PayPal 's program to have my rental tenants pay for their monthly rent using paypal. I have 5 tenants that live in my rental building that have paid their XXXX rent to my PayPal property management business account, and they all paid with bank transactions. Paypal refuses to release my funds now for 180 days. I have been working with them for over a week, and each time, they have a different excuse for not releasing my funds. First it was that they need to put a hold on my funds as a new merchant to verify that no-one will request a refund, then it was that i needed 10 transactions before releasing money - ( originally they would hold for 21 days, now it is 180 ). After several calls and 3 way call verification with my tenants, someone took the hold off the funds. However, i can not move the money to my bank account. I owe my mortage on this building and can not get a straight answer from anyone. I have kept very good logs of all conversations, emails, letters, etc. As of yesterday, i worked with a person ( named XXXX ) that helped me said that she would notify the internal group to remove the limitations. Except - today i came into a notice that said : " After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal. '' The " see details link '' says : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services.

Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. This will apply to all existing and future cases you receive. 
Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX However- they are not telling me how i am in any violation ... .. or what i need to do. Do they have the right to just hold my funds for 180 days without demonstrating risk or any cause? Where is the regulatory oversight on this type of money transition? While Paypal is not a bank, they do process payment transactions, so where is the payment processing governance? Do I need to obtain an attorney to get my funds? The disclosures and Agreement do not clearly indicate this type of impact to small businesses .... shame on them. 

I am glad to provide my log of conversations, screen pictures, and emails for your review. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company, XXXX XXXX, and XXXX XXXX  and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more than one occasion, and neither XXXX XXXX or this bureau has done anything to address the creditors disregard for the federal laws. I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had XXXX XXXX account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.

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 2022-07-15
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
-On XX/XX/22, the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email was hacked and all of the company 's emails started to be forwarded to the hacker 's email address. The hacker started replying to the email correspondences between myself and XXXX XXXX XXXX XXXX on XX/XX/22. I had agreed to lease an apartment from this company in XXXX ; the hacker instructed me to XXXX XXXX$1800.00} to the hacker 's XXXX account on XX/XX/22, however, they were replying to me through the email correspondences between myself and XXXX XXXX XXXX  XXXX ( Thus I had no way of knowing that a hacker had intercepted our email correspondences ). 
XXXX XX/XX/22, as instructed, I completed a XXXX money transfer in the amount of {$1800.00} to the XXXX e-mail address provided to me by email by, who I thought was a representative of XXXX XXXX XXXX, XXXX XXXX 
-On XX/XX/22, I got ahold of the owner of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX by phone, and was informed of the hacked activity on the company 's e-mail address. 
-On the same day, XX/XX/22, I opened a case with my bank, Chase , concerning the fraudulent charge, and was told the {$1800.00} would be refunded to my account. 
-When I called Chase on XX/XX/22 for an update on my case, I was informed that the case was closed, as Chase determined independently that the XXXX transaction was not fraudulent solely by looking at the electronic token, and they had opened a case with XXXX and that I could call back in 10 business days for an update. 
-I called XXXX myself on XX/XX/22, and was informed that XXXX does not handle cases like this, and no case was opened with them by Chase XXXX as I had been falsely told prior by Chase XXXX XX/XX/22. 
-When I called Chase again on XX/XX/22 for an update on my case, I was again informed that Chase determined independently that the XXXX transaction was not fraudulent solely by looking at the electronic token, and that I was to be responsible for the {$1800.00} XXXX payment and Chase was not going to follow-up further. 
-This transaction was fraudulent and NOT AUTHORIZED by myself, however, Chase maintains that because the " electronic token matches up, '' that it was not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Conn's, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This account with CONNS with account number XXXX has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: AMERICAN HONDA FINANCE CORP
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I am a federally protected consumer, making a complaint to due to reporting false claims on the credit report. This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 
I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it XXXX Concern : XXXX   XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX + General Clothing Stores XXXX XXXX   Inquiry : XXXX XXXX, XXXX + General Clothing Stores XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Sales Financing XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, New XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Furniture, Etc. 
( XXXX ) XXXXXXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.0

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 2015-12-07
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
western union advertise on they side real-time currency ratesthis rate much different from actual rate you receiveagent from kiosk try to blame western union about this spared and western union supervisor blame agent. on they site on the moment I send the money rate was XXXX and I receive XXXX Today on forex USD to XXXX is XXXX

Company response to consumer: Closed with explanation