BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-18
Company: Paypal Holdings, Inc
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
This email serves as an appeal for Paypal XXXX XXXX for a transaction of {$4900.00}. 
I am very disappointed in Paypal 's response and communication on the matter. I have spoken with XXXX account specialists that all said everything would be resolved within 72 hours. Case was ruled in merchants favor, even though I was clearly scammed through a merchant that is selling a faulty software that does not work and has not represented it correctly. 

In addition I have sent multiple emails and no response either. Being ignored is not appreciated by Paypal The transaction of {$4900.00} pertains to an automated futures trading software that was misrepresented and did not work with no results to back up the software. The merchant falsely submitted proof against me that paypal accepted and used to rule against my favor. After doing intense research on the transaction and the merchant I discovered the merchant fled the United States and now live in the XXXX after receiving death threats from former customers that paypal did not grant refunds for. 

In addition I was promised by a Paypal representative that Paypal would take my side on this issue. 

The attached proof shows that this merchant is clearly a scam and Paypal is not doing their job to protect the consumer. My next step in this case will be to send a legal complaint letter to Paypal. 

Other friends of mine have received refunds from XXXX. This merchant is clearly baiting and switching its clients to buying a useless and scam software. 

I have also filed a BBB claim regarding this issue, an FTC filing, and a complaint with XXXX XXXX. 

Attached is proof for my Case, and I hope to prevent any other buyers getting scammed by this merchant as he has abused the system. Also attached is an XXXX form against the merchant. 

You can reach out to me via phone or email. XXXX or XXXXXXXXXXXX. 

I will continue to pursue this case and have my money refunded, and pursue legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: CA
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: Problem with product or service terms changing

Complaint:
Someone named XXXX XXXX XXXX took over my Experian account and used my social security number. They were able to access all my information and use my account in their name. I was unable to access my account since the middle of XX/XX/2022. When I tried to obtain my credit report, I could not create an account online. The service representative said that someone else with a different name now had my social security account. I had to send in my information in XX/XX/2022 through mail but did not hear a response for several months. I was able to finally talk to a live person at Experian on XXXX. They resolved the issue, but I was made aware that the Experian website allows anyone to reset the Experian account to an infiltrator 's email address if they know any personal information. Please see this website for a complete description as it has been happening to other people : XXXX XXXX XXXXXXXX  The identity thief has accessed all my personal information and will be able to hack into my account again very easily because the Experian account reset process is very insecure. They do not require 2-factor authentication and do not have any proper security controls in place to ensure that the correct person is accessing the account. The only way to avoid an identity thief from accessing your account is paying the Experian membership fee of {$25.00} per month, which I do not have. The identity thief can easily switch the account back to himself and then unfreeze my credit account. This is unfair to consumers because they are being forced to pay a monthly fee just to avoid getting their Experian accounts stolen so easily. Experian should resolve this by having a better reset account process that does not rely on information that is contained within the credit report.

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 2015-05-05
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Everhome Mortgage, This is my second complaint. This company is manipulating my XXXX payment. Every month they send out my statement on the XXXX or XXXX citing regulation that requires them to send the statement 20 days in advance of payment. What this does it that it prevents the statement from showing the most current and up-to-date information. Every month I have this following issues : ( 1 ) each month my statement shows a past due balance, ( 2 ) The statement is never current meaning my statement for XXXX XXXX payment does not reflect my XXXX payment, ( 3 ) Interest is calculated on the a higher principal balance each month, ( 4 ) I can never tie into their interest calculation, ( 5 ) They never disclose the dates used in calculating the interest for each period. 
The most important issue her is this - Instead of my monthly interest payment going down it goes up each month despite paying down my principal. This is a clear indication that something is wrong. Either the twenty day rule needs to be revised or there is abuse somewhere. Here is an example Everhome Mortgage Billing Structure XXXX XXXX XXXX XXXX XXXX Payment Due Date XXXX XXXX XXXX XXXX XXXX Payment Date XXXX XXXX XXXX XXXX XXXX Past Due - XXXX XXXX XXXX XXXX Current Payment XXXX XXXX XXXX XXXX XXXX Min Payment Due XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Finance Charge XXXX XXXX XXXX XXXX XXXX Payment ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) New Balance XXXX XXXX XXXX XXXX XXXX Principal Balance XXXX XXXX XXXX XXXX XXXX Please look into this for me Thanks again for all the work you do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: MoneyLion Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022, I took an XXXX loan in the amount of {$140.00} from MoneyLion. The repayment amount is {$160.00}. Upon making the request, it was not indicated when the money would be returned. I knew and believed it was within the 30 days period. On XX/XX/XXXX, I received notification of irregular activity on my bank account. It was in the amount of {$160.00}. It was then I visited my MoneyLion phone app, and realized that there was a notation of repayment " is expected to be processed by XX/XX/2022. '' MoneyLion processed the repayment actually on XX/XX/2022. Upon contacting customer service, the Associate made me aware of the " time period. '' I was appalled. This is worst than subprime lending. I informed the Associate that I will be paying off that XXXX and the {$510.00} loan payment. My account with them will be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On one of those predatory subprime loans by XXXX with the first servicer being XXXX and then servicing apparently turned over to XXXX XXXX XXXX XX/XX/XXXX, with my mortgage allegedly being securitized in to XXXX XX/XX/XXXX ( purported loan closing XX/XX/XXXX ) there was a Trustee Sale XX/XX/XXXX and recorded in XXXX County. I have never been told who the true creditor is and that is a violation of TILA. The loan was not funded by the named lender XXXX XXXX. So the Trustee 's Deed has been recorded with a XXXX as being who is the purported new owner of the property since XX/XX/XXXX. 
I received an IRS XXXX form for that XX/XX/XXXX foreclosure sale and it lists the lender as being XXXX with the EIN matching that. Now comes XX/XX/XXXX and I receive another XXXX from a Specialized Loan Servicing for the same property/loan. However, I have not owed any entity any monies since the loan was extinguished by the XX/XX/XXXX Trustee Sale and the purported recorded property owner is XXXX since XX/XX/XXXX. Additionally, the original purported loan number was XXXX and the XX/XX/XXXX XXXX XXXX lists a different loan number and then yet a different loan number on the SLS XX/XX/XXXX XXXX. Additionally, the loan number ending on the Trustee Deed Upon Sale does NOT match the original mortgage loan number on the Note/Deed. I want the FDCPA and FCRA laws, which have be violated by Specialized Loan Servicing, to be enforced and they should be fined and the fine monies paid to me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: SLM CORPORATION
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am XXXX and Sallie Mae knew this and in a matter of XXXX8 months moved my loans to collections and have been harassing my co-signer daily- All my other loan providers are on board with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: JPMORGAN CHASE & CO.
State: IL
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 have had a credit card withChase from XXXX, I have closed that account in XXXX and agreed to pay a monthly payment of {$300.00} until the balance is settled. In XX/XX/XXXX they reported me to the credit bureau with late payment that wasn't disclosed to me or notified about. I was paying my $ 307 monthly and on time. I had no prior knowledge of the extra payment nor Chase informed me of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
INQUIRES ON REPORT THAT WAS NOT AUTHORIZED.

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 2015-05-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a Chapter XXXX bankruptcy XXXX years ago. I received a loan modification with Chase and kept my house. They increased my mortgage to cover the payments I could n't make, so they are recouping every penny owed them. I noticed that they stopped reporting my on time payments for the last XXXX years to the Credit Bureaus. I 've made every payment since the loan modification on time and in full. They say I have to reopen my bankruptcy and reaffirm. I 've read up on this and that is not in my best interests and there is no legal basis for them requiring this of me. I wish to lodge a complaint against Chase for this. I was part of the huge lay off in XXXX XXXX and applied for over XXXX jobs and could not find anything for XXXX months. The banks caused this and now they continue to hurt us. Can something be done about this as it seems I am hardly alone in this. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We were told to use a home equity line of credit to pay for the down payment on the purchase of our home. We then moved XXXX and lost our renters. We stopped payment on the home in XX/XX/XXXX and was foreclosed in XX/XX/XXXX. This line of credit was written off but still shows on our credit report. We 'd like to have it removed on the account of prolonged processing and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Interstate Credit & Collection, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was never sent any bills, but a medical debt from 2011 for {$930.00} is on my credit report. I was XXXX years old in 2011 and on medical assistance for mental health issues. 

I asked the collections agency, Interstate Credit & Collections Agency to send me proof of financial obligation. They refused unless I gave them my financial information. I would like it removed from my credit report. They wo n't even tell me what it is for and I am not even sure it is real. I was denied private loan for college and a credit card. I was humiliated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My mom got a vehicle under my name why I was away in college without my knowledge from some shady automobile seller. It was a XXXX XXXX with a loan amounting to almost XXXX. Fast forward the vehicle was stolen and was insured under the auto loan facility and was damaged by the convict. There were no notice of the insurance being cancelled because they kept increasing payments to my moms awareness. The vehicle is now in there custody and they keep requesting payments from me and the vehicle was not mine and I just found out it was under my name and is bringing down my score tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 following accounts have violated my rights. 
-XXXX  XXXX, Account # XXXX -XXXX XXXX, Account # XXXX -XXXX  XXXX/XXXX, Account XXXX XXXX XXXX, Account # XXXX 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 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2019-11-08
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-COLLECTION- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$1100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 at around XXXX XXXX I went to deposit money into my chase account. I had given the ATM the cash and it started verifying it then it said the ATM was unavailable. I then called customer service where they said i had to file a dispute. I then got transferred and file the dispute with someone else. The gentlemen on the phone said they would give me a credit to my account while they did the investigation, that the investigation would take 10 days and i would have an answer or my money back by XXXX XXXX. On Monday XXXX XXXX i got a notification on my phone about my account being overdrawn. I logged in to check what was going on and it showed the credit had been reversed. I immediately call customer service and ask whats going on they said the investigation had ended and they found nothing. I told the guy that it was n't fair they stole my money and now i have to pay them back, and now on top of everything they 're going to charge me overdraft fees because they stole my money and wont give it back? He then stated he 'd noted on my account not to charge overdraft fees since it was n't resolved. He said i have to request the ATM footage from the bank. I do n't know how chase works, but I 've worked at another bank and they check the ATM 's every week, I do n't know how this investigation took so long. I 've never had something like this happen to me at my previous bank. On XXXX XXXX XXXX i called the chase bank located on XXXX, i told the man who answered what was going on, i gave him my information ( Debit card that was used to make deposit at atm, date and time the issue occurred, how much the deposit was for and a call back number ) he said he would call me back by the end of business day. Never called me back. XXXX XXXX I called the customer service number for FDIC they said i should file this complaint. Now i called the bank one more time, today XXXX XXXX at XXXX XXXX, they gave me a number to call and request the footage from that number, it was just chase customer service, the person i then spoke to said i need to file a police report so the police can obtain the footage. I called the police and i now have to go in and file a report. When i summarized what was going on, the police officer i spoke to sounded surprised chase would n't give me the footage. I 've always heard great things from chase and that 's why i opened an account there, i was planning on taking my 401k there after the XXXX month. I 'm glad i did n't do it right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The following accounts and inquiries listed below are all fraudulent and were opened without my consent and it is against consumer law to report fraudulent information on consumers credit report. 

Fraudulent Accounts TransUnion XXXX XXXX Bank Acct # XXXX Fraudulent Inquiries TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX, Transfer my mortgage to a next company and for some reason they reporting on my credit report as delinquency and late payment which is incorrect I was never late

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