BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/22 I was a victim of fraud. As an elder woman, I was conned out of providing my information to someone who claimed to work for XXXX. Soon after I provided them with requested information they XXXX money out of my XXXX XXXX XXXX account for the amount of {$500.00} and out of my Chase checking account for the amount of {$500.00}. I immediately called Chase Bank and soon after XXXX XXXX  to inform of this fraud. They immediately froze my accounts to investigate. On XX/XX/22 I went to Chase Bank in person to close my personal checking account and open a new one due to the fraud. Today, XX/XX/22 I received notice that Chase will not give me the money fraudulently XXXX out of my Chase personal checking account, stating I authorized the XXXX. As of today, XX/XX/22 my XXXX XXXX XXXX account is still frozen and I can not access my money despite being sent a letter received today that they too can not reimburse me for the fraudulent XXXX payment for the same reason. When I asked why my account is still frozen, they say it is still under investigation. I am a victim of fraud. I did not authorize these XXXX payments. I am an elder of age XXXX years old and the victim of elder abuse having this money fraudulently XXXX from my account. Both Chase Bank and XXXX XXXX are promoting this act of elder abuse enacted by the scammer on XX/XX/22 by refusing to reimburse my money. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: ERC
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: Information belongs to someone else

Complaint:
I pulled my credit in XX/XX/2020 and discovered inaccuracies I filled out an identity theft affidavit an reported the incorrect incorrect information to all 3 credit burrows there has been no resolve to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a Department of Education Student Loan that is being collected from the Professional Bureau of Collections of Maryland Inc. I am being garnished and the agency is charging 25 % fees. Currently it goes directly to voicemail. My employer advises the garnishment will continue with out notice, even though federal Covid Relif Act was passed. How do I stop the garnishment and why can Department of Education Loans have no limit for the amount they can charge for fees. Seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX working in conjunction with XXXX Transunion and XXXX requested my credit file be pulled and reviewed in a 'hard inquiry ' simply because someone got on-line and attempted to use my name, address and date of birth to apply for credit and/or a product or services. 

When contacting XXXX to report fraud, they denied ordering a 'hard inquiry ' yet it does now appear as a 'hard inquiry ' initiated by XXXX with my report being provided by the above XXXX credit reporting agenices. 

My complaint and question is how can any person impersonate someone on-line by applying on-line for credit and large companies like XXXX pulling my credit file before even verifying the party on-line is truly whom they claim to be? 

Should not the companies such as XXXX do more preliminary work beofre being authorized someone 's credit file using a 'hard inquiry '?. Not only does this seem to be a breach of my identity but potentially could have led to further financial calamity on myself and my family. 

So now I am stuck with this hard inquiry that I never asked for and all XXXX reporting agencies are saying there is nothing they can do about it and the inquiry must stay on my credit report. 

My request is that the XXXX reporting agencies be required to remove this unauthorized hard inquiry from my credit file at once. And I also request that XXXX be forced to review their on-line credit application process to prevent further incidents such as this. 

Best regards, XXXX XXXX XXXXXXXXXXXX

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 2017-03-08
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was contacted on my personal cell phone number regarding an alleged debt owed by my girlfriend. She has been receiving harassing phone calls from this entity for weeks. The caller identified as XXXX from EOS CCA ( http : //www.eos-cca.com/ ) but he refused to provide additional information regarding the purpose of his call, the nature of the alleged debt, how my number was obtained, or any other matter. He called from XXXX. There is no legitimate debt to collect and this contact of third parties ( i.e., myself ) is totally unwarranted. Neither I nor my girlfriend have had any business interaction with EOS CCA and there is no reason why they should be harassing us with repeated phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Firstsource Business Process Services, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being harassed by First Source Advantage LLC. for payment on a credit card that I am making with XXXX XXXX for $ XXXX/month. I have written letters showing I am making these payments

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I Checked My Credit Report And Noticed A Collection Was Reported On My Credit Report Without Any Knowledge. 

Date - XX/XX/2022 Amount - XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Subj : Dispute filed : XXXX  XXXX XXXX Mortgage Last Four of Acct # XXXX XXXX  XXXX XXXX Mortgage last four of acct # XXXX is reporting on my credit report that I had missed XX/XX/2019 payment. I have provided my XXXX electronic bank receipt that show my payment was made on time and XXXX  XXXX XXXX has provided several letters stating the reported late payment needs to be deleted, but EXPERIAN has refused to correct the error and this has caused me to be disapproved for a loan. My acct with XXXX  XXXX XXXX Mortgage Last Four of Acct # XXXX is current AND THERE WAS NOT A MISSED PAYMENT FOR THE MONTH OF XX/XX/2019. Im requesting that the incorrect information be removed from my credit report and my acct be reported as current for the month of XX/XX/2019. 

Respectfully, 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 2015-07-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I received pre-approved loan offer from Springleaf Financial a few wks ago for XXXX. I submitted an application over the internet which was only my name, D.O.B. & S.S. No. the application window closed & said approved : go in person to local office. Received phone calls daily and emails daily from Springleaf Financial with messages that did not identify who was calling, only that it was in regards to an application I submitted. I went in person a few days later after checking my caller ID, and was told by the senior loan officer my expenses exceeded my usable income for approval. The loan rep asked how much money I spent a month for gas to drive my car. I told her about {$80.00}. I was also told I had outstanding student loans posted for payment on my credit report/which I confirmed were not, and also that I could re-apply if I had someone in my household who had a job and would agree to complete an application for the loan with me. I was told the co-signer had to be living in my household in order to qualify only and I could not use a co-signer who did not reside with me. I was told I could look at my credit report later after I received a decline letter or so but the factors for viewing my credit report were not explained clearly. ( I have been viewing my credit report regularly this year on a website. ) The connotation was that as long as I was not able to view my credit report, she could tell me anything she liked about my ability to get approval. I asked what the procedure was for receiving loans and was told unclear repetitive information that did not specify credit scores, income/debt ratio, or sources of income. I told the senior loan officer I owned my home with no mortgage, and our monthly utility bill is paid by my adult daughter who resides with me. So my income to debt ratio leaves about {$800.00} a month in usable income. I was seeking to borrow the amount above for home repairs, and debt consolidation for credit cards. I asked if I could have a print out of the computer screen she was reading that indicated why I was denied for the loan. She declined. I felt the daily phone calls and emails were strong indicators that I was approved, specifically since I submitted my social security no. and date of birth in the application online a week or so before meeting with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX ( PayPal name, Email : XXXX, Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States, Phone Number : XXXX ) bought a jacket from me and the transaction was done through PayPal on XX/XX/XXXX ( Transaction ID XXXX ). The Jacket sold for $ XXXXOur conversation initiated on XXXX, an online shopping app. He then asked me if I want to do the transaction on PayPal instead. The transaction was fine until XX/XX/XXXX when he issued a claim on PayPal, stating that the jacket was not as described. He wore the jacket and then resale to someone else. The next buyer found the jacket was worn and asked XXXX to return. Hence, XXXX  file a claim through PayPal to return the jacket. PayPal decided to reject his claim after going through the case and details. However, they finally charged my money back because XXXX XXXX issued a dispute to his credit card bank. The bank took the money back from PayPal and PayPal had to take the money back from my account. PayPal said the only thing I can do now is to wait for the decision from the issuer 's bank or to sue him. 

I found this case a total fraud as XXXX XXXX himself was wearing the jacket after he received it from me, according to several pictures he posted on social media. Also, there can't be any damage as he described because when he posted the jacket online for sale, he said it's brand new and no damage at all. 

Please find the essential evidence of my original XXXX post, screenshots of our conversation, pictures of him wearing that jacket, screenshots of his online shop posting the jacket and PayPal solution. 

For now, Paypal decided to refund the money from my account, and didnt ask the buyer to return the jacket. Paypal charged me {$1400.00} from my account and I also lost the jacket.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The Bank of America is charging excessive overdraft fees. The charge for being overdrawn less than XXXX hours resulted in a {$70.00} fee. This should n't be legal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Complete application : necessary documents and " complete '' status are determined by servicer. California Civil Codes 2923.6 ( h ) ; 2924.10 ( b ). 
While no dual tracking protection is due an incomplete borrower submitted RMA application package by Bank of America, there are dual tracking protection due a complete borrower submitted RMA application package. 
Bank of America has represented no complete RMA application package has been received by the borrower and that the borrower has ignored and failed to comply with Bank of America representatives requests for needed or required application documents to enable a loss mitigation review since XX/XX/2012. This is a material misrepresentation known to be false at the time the statement was made and supplied to the borrower. 
According to the Bank of America borrowers Home Loan Modification Status iportal, the My Documents tab page of XX/XX/2012, all documents that make up the RMA application package were received. Additionally, Bank of America has since caused the destruction of these documents and their corresponding entry to the Bank of America borrowers Home Loan Modification Status iportal. 
Any Bank of America representative who has been assigned as the SPOC, charged with the duties and responsibilities of conducting an independent and complete review of the account records, for whatever reason, should have known a complete RMA application package was received on and before XX/XX/2012 and this ( receipt of the complete RMA application package ) prompted the initial review of XX/XX/2012 that lead to the incorrect MHA HAMP denial of XX/XX/2012.

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 2020-07-14
Company: JPMORGAN CHASE & CO.
State: CA
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:
This is in response to Chase Reference # XXXX. My appeal was denied for a refund of 2 erroneous fees that were due to fraudulent misuse of my account with the merchant. The merchant did not provide any written proof to show that the fraudulent food deliveries were in fact delivered to my primary address on file with both them and Chase : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX. Simply stating that I had a previous relationship with the vendor is not grounds for denying my claim. I require proof that these two charges correlated with a delivery at my physical address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
Company: C/C Financial
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not really assured that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting incorrect information on PREFERRED LEASE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: MS
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 Account XXXX XXXX Continuing to report inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company and the credit bureaus about this matter, however I have been ignored by both. I send certified letters to both and no resolution. The company has not responded to why they are reporting this on my consumer credit report. 
Also, this company is increasing the amount owed each month on my credit report. Isn't that illegal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeated Calls and letters to collect debits. It has been happing from XX/XX/2017 to present. Amounts range from $ XXXX {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: AES/PHEAA
State: CT
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:
My loans were put in forbearance status 3X by Fed Loan Servicing while they processed paperwork. I was called by Fed Loan Servicing staff and was told that if I made the 3 payments they would be counted towards the 120 needed for Public Service Loan Forgiveness. A recent tally letter was sent and it doesnt look as if these 3 payments were counted ... so where was the money applied? if they arent going to count them then I would like the money back. 

Also, I consolidated all my student loans on the same day into Subsidized and Unsubsidized loan packages. I have been making payments on them at the same time, but one shows as having 110 qualifying payments and one show as having 109. Both should have 110.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: North Shore Agency, LLC
State: MN
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:
North Shore Agency , LLC, still has not submitted the proof of payment, I sent to them from my bank, XXXX XXXX XXXX for the payment of {$270.00}, I supposedly owe to the original creditor, XXXX XXXX. Review Consumer Financial Protection Bureau Complaint : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: AL
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. 

The following Accounts have violated my rights : XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ) 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