BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My company, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has had a checking account with Chase Bank for over 16 years. We pay most of our bills using their online bill pay service. Some payments are electronic, but for others Chase issues a paper check & mails it to the payee. On XX/XX/2022 I directed Chase to pay {$1500.00} to " XXXX XXXX XXXX XXXX' on our behalf. Chase issued a check. On XX/XX/2022 XXXX XXXXXXXX XXXX ontacted me about the payment they hadn't received. I recalled seeing it cleared my account, so I went the Chase website and pulled up a copy of the cleared check. To my disappointment I saw the payee shown as " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ''. Since we nor the XXXX XXXX know anyone by that name or address, I can only assume the payee was altered ( Chase 's own records show it was originally written to XXXX XXXX XXXX  ). I immediately reported this to Chase. I was informed that they would be sending me a " Declaration of Unauthorized Endorsement or Altered Item '', which I recieved, filled out & returned on XX/XX/2022. I was told that although it would take Chase 90-120 days to recover their funds, that my account would be credited within 10 days to two weeks. In the meantime we paid XXXX XXXXXXXX XXXX for the money that was missing ( not their fault ). On XX/XX/XXXX I realized Chase had not added the funds to our account, & after reaching a supervisor ( XXXX ) I was told we will not get the funds restored to our account until Chase gets its funds back from the bank where the check was cashed or deposited ( 90-120 days ). Chase, having issued the check, could easily have in place a system to confirm payees are not altered to avoid this risk. XXXX chooses to accept this risk. We did not. A cost of accepting that risk should be that Chase bears the burden of temporary or permanent loss of funds for their reckless policy. All we are seeking is the restoration of the stolen {$1500.00} to our account. I have included documentation of what's been described, & our account activity since XX/XX/2022 so you can see the funds have not been restored. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I tried using XXXX to send money to my account as I 've gone almost a month without a paycheck, just to avoid an overdraft. I was told on XX/XX/XXXX that PNC wo n't update XXXX XXXX with my balance info so its overdrafted and I 'm trying to get the money put in. I was told to contact you guys by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax made my name, social security number, and address available to unauthorized parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CO
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: Was not notified of investigation status or results

Complaint:
Equifax Database Breach Announced XXXX XXXX 2017 My personal, private information was compromised due to a lacking in their security. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WY
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it on the news. Especially when this is a company that I did not choose to do business with. They should be held to higher standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Netspend sent me an unsolicited card in the mail leaving me susceptible to fraud. I received an email explaining that they were sending me a card and that I needed to activate it immediately. Only problem is I did not request a card from them nor did I fill out an application for a card nor did I request to become a customer of their bank. Netspend repeatedly sent me unwanted emails putting pressure on me to activate the card. I have excellent credit and do not need a prepaid credit card. I also take ID theft and my data security very seriously which is why I am filing this complaint. Someone could have intercepted the card and activated it. The card and any future transaction would then be done in my name and on my credit. I also could not tell if someone was sending me a gift card or if the card was an actual credit card. All communication was driving me to activate the card for the sole purpose of putting me in a position to pay fees to Netspend. My main concern is the fact that I never initiated any of this activity. I did not contact Netspend or fill out an application to receive one of their products. They had no problem exposing me to fraud.

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 2019-10-16
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XX/XX/XXXX when submitting my Employment Certification to verify my eligible employment status for PSLF for the year XX/XX/XXXX-XX/XX/XXXX, it was denied because my account was apparently in " paid ahead '' status, which rendered the payments I did make in that year ineligible for PSLF. This was not an error on my end, this was an error on MyFedLoan 's end, verified by their employee when looking at my account. I was told that they fixed the paid ahead status on their end, but that I would need to have my previous years payments put under audit, to get that year approved. That was XX/XX/XXXX,  and I have yet to have this audit processed. I have called MyFedLoan on XX/XX/XXXX ( spoke with EID XXXX ), XX/XX/XXXX ( spoke with EID XXXX ), XX/XX/XXXX ( spoke with EID XXXX ), and XX/XX/XXXX (  spoke with EID XXXX ), and no further updates are able to be provided, other than it has still yet to be processed. When I ask how long in their experience I can expect this to take, I get estimates from 12 months to 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: VA
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:
Nothing has happened yet, I just know I was a part of the data breach. I do n't know what 's going on or how this will effect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of the XX/XX/XXXX-XX/XX/XXXX XXXX Equifax hack, according to their online tool : https : //www.equifaxsecurity2017.com/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Paypal Holdings, Inc
State: IN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, XXXX charged by PayPal account {$72.00} for a membership. I have never had a paid membership with XXXX and I have no idea how they ever received my Paypal information. I contacted Paypal to dispute the charge. However, Paypal said the charge was valid and if I wanted to dispute it, send a letter to their XXXX, NE dispute /unauthorized access appeal address in which I have written them twice with the last XXXX being on XX/XX/XXXX and still have received no response. To date, they have failed to produce the documentation to substantiate the validity of the charge from XXXX which was fraudulently obtained or tell me how XXXX obtained my Paypal account information, again fraudulently. 
XXXX  has finally sent me an email that they will cancel my membership on XX/XX/XXXX but they are not refunding my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: ROBINHOOD MARKETS INC.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I can't login to my Robinhood bank account because an sms code is required to be sent to me. I don't have a cell phone. I want access to the money in my account. It doesn't appear robinhood has a phone number to call. You can request a call but you have to be logged into your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PA
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:
Due to the recent hack of Equifax my information was exposed to people that I have not authorized. I used their tool and both me and my wife were reported as potentially exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IA
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:
Recently my own as well as my wife 's social security information was leaked without my permission by Equifax. As far as I know my social security number has not been used, however I 'm certain it is now unfortunately public information and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
On or around XXXX/XXXX/XXXX my personal information and credit history was released to unauthorized unkown persons due to negligent security by Equifax. As a result, I am now at risk for fraud. I have contacted Equifax to determine if any immediate fraud has been committed and was unable to receive an electronic credit report due to unexplained circumstances. I have begun the process of requesting my credit report in writing from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As a result of trying to apply for a vehicle loan with XXXX XXXX XXXX  in Massachusetts, they ran my credit with multiple lenders without my approval as a way to get the sale by offering me a better rate than what they may have received from the accepted lender which was XXXX  XXXX. 
It show my credit was ran by XXXX comany XXXX times in XXXX day under XXXX minutes on all bureaus. 
These are inquiries : XXXX XXXX XXXX XXXX -- -- XXXX XXXX XXXX -- -- -- -XXXX XXXX XXXX XXXX -- -- -- Toyota Motor credit co XXXX -- XXXX -- -- -- XXXX XXXX XXXX XXXX -- -XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Due to the Equifax security reach, my personal information has been compromised and I was not alerted about this personally, but via the news/internet. They know how to reach those impacted and put the onus on the victims of potential identity theft. I checked via their website and found that my information was stolen, and could be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
Equifax was compromised and I have been implicated as impacted. Equifax reported the issue took effect in XXXX, but announced in XXXX to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: OLD NATIONAL BANCORP
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A personal load was opened up by fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Riverwalk Financial Corporation
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 saw a collection account on my credit that came on in XX/XX/2018 from XXXX XXXX  XXXX. This collection agency is not licensed or bonded to collect in my state. They never contacted me or anything. they just put this on my credit for XXXX I don't know the original creditor. This agency is operating illegally, they are not bonded.

I asked them in writing to verify or validate this debt and they refuse to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
I am part of the Equifax XXXX data breach and all my personal info has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 called XXXX, Transunion, and XXXX to explain they have multiple inaccuracies on my credit report, and have for 3 years been sending letters, with barely little coming off my report as deletion. Within that, I havent been able to be approved for vehicle loans, home loans, even lines of equipment for my business because my personal credit is XXXX fico - being that NONE of the companies have reported correct information when given, or anything of such. Its been 3 years and now having more information, Im doing anything and everything I can do go to court with each of them in regards of getting my life back together.

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 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
CRA is in violation of several consumer protection laws.

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 2019-10-16
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:
Hello, As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity : that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. Please assist me in remove these items from my report. 

DEPT OF ED/XXXX Reported : XX/XX/XXXX DEPT OF ED/XXXX Reported : XX/XX/XXXX {$13000.00} US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX{$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPT. OF EDUCATIO Reported : XX/XX/XXXX XXXX XXXX XXXX  Reported :XX/XX/XXXX {$1400.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$190.00} ETC : Please see attached FTC reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I received two confirmation # 's from Equifax pertaining to disputes I filed with them about incorrect information on my credit report. They notified me my Equifax dispute has been completed. Confirmation # 's XXXX & XXXX. I have been unable to get the results because their online system continually gives an error message when requesting a copy of the results. I have made repeated calls to Equifax customer service and the call center workers also report that they too get error messages when entering in the confirmation # 's. I have called in to Equifax customer service asking for a member of management and I have been repeatedly placed on hold for long periods of time and eventually been disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
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:
Through XXXX, I have been alerted that my personal identifying information has been obtained through the recent Equifax hack XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
My personal information, financial information, social security number, address, and other crucial identifiable info may have been leaked to third parties without my consent due to gross negligence on Equifax 's part on securing their data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX  has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX  has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.

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 2017-10-20
Company: Experian Information Solutions Inc.
State: MI
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:
There are two debts that I paid in full that are still listed as charged off with a balance owed. These were paid in full and shouldnt show as charged off. After the investigation Experian says that these debts were verified by the creditor. The creditors are below are below : XXXX XXXX- shows on report I owe XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
My credit information was illegally obtained due in part to the negligence of Equifax.

Company response to consumer: Closed with explanation