BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-11
Company: Paypal Holdings, Inc
State: AZ
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Adding money

Complaint:
I sent money for my paypal debit card to PayPal credit because the information on the website said to do so. I was told they had to wait for money to clear and send back to me or they wiod send original money order back to me. The money order was for {$400.00} and was issued XXXX/XXXX/2015. It is XXXX/XXXX/2015 and I have called over 3 times and talked to 8 managers who all lie about the money being sent back to me with no tracking and I get XXXX fifferent story about the whereabouts of my money every time I call. They will not give me my money and keep telling me either they are researching it if reaching out about it. No one returns my calls. They wo n't send my money and I get a different lie every time I call. PayPal credit managers claims they have no supervisor and they are the end of the line and I have to be patient while they research .... What are they researching? Nothing! They we not overnight a check for my {$400.00} and claim they did with no tracking then they claim XXXX they resent it twice-all lies! How can these people just keep {$400.00} and not return my money? I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My hisband deposited our monthly retirement checks from   XXXX    XXXX   XXXX . The two checks came to about {$3000.00}. We had requested the automatic deposit, but  XXXX  said they would have to pay us this month with a paper check. My husband used the ATM, and they put a hold on the {$1300.00} check. They put a  1  0-day hold  on the other check for about {$1600.00}. I called customer service and explained the origin of the check. I have  two c hecks the are going to return and charge me about {$60.00} in NSF charges, not including what the merchant will charge. I spoke to  3 di fferent levels of management  ( or  so they said  ). I t old them that I wanted to speak to someone who the wherewithal to make an accommodation. I was told I could speak to a decision making level by making an appointment. It would take  2 we eks before the would call me. I do n't know what I expect you to do, but I am irate. We deposit an additional {$6000.00} every month in the account. I would like others to know about their egregious behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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:
I have sent XXXX letters to all XXXX bureaus about late payments that are showing on my credit report. They have ignored my requests and refuse to remove them. I know my credit laws and this is a FCRA violation. 

I would like the following late payments removed from my credit report immediately. 

XXXX Account number : XXXX Remove late payments for XX/XX/2021 & XX/XX/2021, I was never late on these payments. My report should say paid as agreed. 

SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent XXXX letters to all XXXX bureaus about late payments that are showing on my credit report. They have ignored my requests and refuse to remove them. I know my credit laws and this is a FCRA violation. 

I would like the following late payments removed from my credit report immediately. 

XXXX Account number : XXXX Remove late payments for XX/XX/2021 & XX/XX/2021, I was never late on these payments. My report should say paid as agreed. 

SEE 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 2015-04-30
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was unaware of our debt to XXXX via IC systems, as my payments were supposed to be auto deducted, and I never received anything in the mail saying i owed them anything, or that it was being sent to collection. They repeatedly called my cell number, but no one would be on the other end when I answered ( only found out it was banfield by looking it up ), then they stopped calling. I have recently learned they have been calling my parents ' home- sometimes asking for me, other times just silent. My husband called IC systems requesting they stop calling my parents ' number and call his, but they have not done either. I have been at my parents home when they call ( everyday ), and when i pick up the phone to ask why they are still calling this number, no one responds. My husband gave them his number of XXXX, but they have not once called. Please have them stop calling my parents!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Paypal Holdings, Inc
State: TN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Paypal Credit pulled my credit score without my consent, resulting in a hard credit inquiry on my credit report. The last time I was on Paypal, all I did was update my profile by adding my new bank account and my SSN. I just saved the information to my profile, I did not consent to them running it for Paypal credit. After doing some research, this has happened to many other people. It 's like as soon as they have your SSN, they take that as an okay to run your credit. The only thing I was doing was trying to get my profile as updated and completed as I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE SENT MANY LETTERS TO THIS COMPANY AND THEY HAVE NOT RESPONDED. 

I AM A VICTIM OF IDENTITY THEFT. AND EQUIFAX HAS MUTIPLE FRAUDLENT COLLECTIONS ATTACHED TO MY ACCOUNT WHICH ARE NOT MINE. 

PLEASE REMOVE AND BLOCK THE FOLLOWING ACCOUNTS : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: AZ
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 name : XXXX XXXX # XXXX, has violated my rights.

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 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 2017-08-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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:
XXXX XXXX is a fraudulent bank account that was opened in my name. I have spoke to a security officer in which the account was supposed to be deleted from chexsystems, which it is still showing. I have  contacted my lawyer as well with this information to come to a resolution

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 2020-10-07
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I need clear answers from Robinhood for 3 different issues. 

1. I sold XXXX stock, but this fund, XXXX, was disappeared. 
I claimed to Robinhood several times. the answer was different. 
first answer was that my fund will be settled on XXXX second answer was that your fund was used for purchasing. 
last answer was that we are under investigating and will notice to you ''. 
where is my fund? I need it right now. 

2. I received the mail from Robinhood about " Withdrawal restriction removed '' on XXXX Friday. so, I tried to transfer XXXX USD, current balance, to my bank several times, but it was failed. Why I can not withdraw even Robinhood said ok to me. 
I don't want to keep my money at Robinhood anymore because i feel very uncomfortable. 

3. Today, XXXX, I tried log in my account, but it was blocked without any notice from Robinhood . What's going on at Robinhood?

They block everything. I can not access my account and I can not know my current status for fraud report which I did. 

As I know, if there is fraud case, Good company refund to the customer at first and they start investigation. 

need fast reply. 

Thanks XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to remove the private mortgage insurance ( PMI ) from my FHA mortgage account. 
One, my online account states PMI is not a feature of my loan. 
Two, my previous attempt they told me I was not 78 % and not eligible to remove it. However, according to my calculations it was. So I waited some time. 
Second attempt, now the that debt has decreased, I tried again and I was seemingly given the run-a-around for 3 weeks. Being told my LTV was at 79 % and they would likely push it through and to wait for my final letter on XX/XX/2020. The final letter never came, so I called back around the 15th to be told it was denied. The representative couldn't provide any information so he transferred me to a supervisor who also couldn't provide any information because the department that handles it does not speak with borrowers. They can only submit the requests on my behalf. Furthermore, I am unable to see the requests they are submitting. 
The currently home value according to my lender is {$230000.00}. Everywhere else my current home value is $ XXXX. However, even using their under valued amount, I owe {$170.00}, XXXX which would place my LTV at 74 % and eligible to remove the PMI. Since I am unable to talk to the department, submit requests on my own, see the requests or even see the PMI status on my loan via the online account ... this was my only option. I'm not sure where to go from here.

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 2022-10-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
5/3 bank issued a garnishment on all of my savings and checking account assets due to fraudulent activity. Due to a levy by the State of Michigan, 5/3 bank unlawfully froze my accounts in an attempt to pay the funds to the State of Michigan although I was not involved in this garnishment furnished by a fraudulent company. 5/3 utilized my social security number provide by the perpetrator and currently has my assets frozen. A similar issue just happened with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Looking to file a legal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Paypal Holdings, Inc
State: MI
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Paypal paid my purchase with credit, not as usual with direct deduction from my bank. I called immediately and was told that there was nothing that could be done until I received my bill. I was charged {$4.00} for a {$15.00} purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XXXX XXXX to remove ; 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 XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$530.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after theXXXX XXXX. Ive already included this in my previous Complaint # & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: IN
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:
These accounts were not tied to me and these companies pulled my credit without my consent therefore I would want the inquiries removed from my credit report. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
These accounts were not tied to me and these companies pulled my credit without my consent therefore I would want the inquiries removed from my credit report. 
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 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 non-monetary relief
Consumer complaint received 2020-09-29
Company: U.S. BANCORP
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a court order that absolves me of responsibility on a Us Bank acct opened in 2008 because of fraud. XXXX XXXX XXXX has been harassing me, and people who know me, about this debt. They havent provided anything in writing and make false claims, such as : theyve checked my credit, this is a filed judgement and I better not miss my court date.

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 2020-09-29
Company: Amsher Collection Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX : XXXX XXXX, I contacted XXXX  to get fiber optic internet service because my boyfriend was having trouble getting it through XXXX XXXX XXXX. The sales person said XXXX could supply that service, so I gave them information to open an account. 

XXXX XXXX. - I spoke with the property manager at my apartment complex at about XXXX XXXX. and mentioned that I had gotten fiber optic service with XXXX. He stated that he knew for a fact that XXXX  could not provide fiber optic internet service because he had tried to obtain it for the front office but could not. He stated that XXXX did not have the underground cables and hardware to supply fiber optic service to anyone in the building -- only XXXX XXXX XXXX had spent the money to install the correct underground equipment. 

XXXX, I called XXXX back to cancel the account. I explained what I had learned to the representative on the phone. After about 20 minutes, the person on the phone stated that the account was closed. He said there was a chance that I might still get equipment in the mail and if I did, to just take it to a XXXX  store to return it. 

XX/XX/XXXX I received internet service equipment from XXXX via XXXX. I did not open it or install any equipment XX/XX/XXXX I received a bill for {$160.00}. I assumed it was not correct because I had not yet returned the equipment. 

XX/XX/XXXX XXXX XXXX - I returned the unopened equipment to the XXXX  store on XXXX XXXX, in XXXX. I watched employees open the box and take out shrink-wrapped equipment. 

XXXX XXXX I received another bill, which showed a previous balance of {$160.00} but did not explain those charges or say it was a final bill. 

XX/XX/XXXX I received a letter from AmSher Collection Services , Inc., stating that it had been hired to collect the {$160.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2015-05-27
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I discontinued service with XXXX and transferred to a different carrier on XXXX XXXX, 2015. On XXXX/XXXX/15, eight days later, XXXX referred my account to a collection agency before I even received the final bill from XXXX!! Collection notice was sent to me on XXXX/XXXX/15 threatening to take action.

Company response to consumer: Closed with explanation