BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hey there I am XXXX XXXX my PayPal hold for 180 day i don't use it's automatically going no longer more for 180 days i need my PayPal account back. I provide XXXX services my all customers happy with my services i don't receive any payment report and anymore but my account was closed for 180 days on XXXX XXXX My PayPal email XXXX ( XXXX ) please check now and restored my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Beginning on or about XX/XX/2020 XXXX XXXX began a relationship with XXXX XXXX XXXX. It would soon be discovered this was a relationship entered into for the sole purpose of stealing almost {>= $1,000,000} from XXXX XXXX. As you are aware, the elite XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department is currently investigating this matter in particular and investigating the larger fraud enterprise. We have included a preliminary police report for your review. Additionally, the matter has been referred to the Department of Justice given there are two corporations which were used to further the fraud scheme. And Lastly, the matter has been reported to the Internal Revenue Service for investigation of tax evasion by XXXX XXXX. 
A check for {$420000.00} was made out to OUR MUSIC FOR YOU. This check was also written as a loan to be paid back with money held in XXXX. Despite XXXX XXXX wanting to make the check out to XXXX personally, he had her make the check to OUR MUSIC FOR YOU. We can provide a copy of the check, front and back. Review of the corporate documents shows similar addresses and names to the above referenced corporation. As noted, this check was made out to OUR MUSIC FOR YOU which is a domestic nonprofit corporation organized under the laws of California. But despite the check clearly identifying the payee as a California corporation, a nonprofit, tax exempt entity which must operate under strict state and federal statutes and banking regulations, the check was improperly and illegally endorsed by an individual without indication of whether the endorsement was on behalf of the tax-exempt corporation and endorsed by someone with authority to endorse the rather large check. In point of fact, the check was endorsed with a mere illegible scribble which could have been made by anyone. 
Notwithstanding the check was obtained through fraudulent means, the check as written was endorsed by someone not connected and/or authorized by the corporation and as such, is forged and fraudulent. As a result, the monies are to be returned to the payor as the individual endorsing the check misappropriated the funds for his own personal benefit. 
Also to add XXXX XXXX XXXX altered the cashier check by writing DONATION on the front of the check. 

Chase Bank acknowledge that the cashier check for {$420000.00} was fraudulent cashed, also chase accepted my claim and that XXXX XXXX Bank was responsible for repayment, however six moths passed by and the back rejected my claim with not letter of explanation, and close my main account that I need to provide copies of the statements to the police and also need my bank account history information for many purposes regarding my finances

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, Amex called me during my work on Wednesday the XX/XX/2018 around XXXX Pacific Time from the following number : XXXX XXXX XXXX XXXX. They told me they were cancelling my card because I used it to send money to someone on XXXX. They were not very amicable and being at work I was kind of confused with the situation. I asked if we could talk about and explain the situation in order to understand what was happening better. This was to no avail. 

So I checked my XXXX transaction history after my shift. I never used my Amex to send money to a family member, I used my XXXX card. 
they said I used it to send money to my uncle using XXXX. 

With that information, I tried explaining that online in their chat service. They told me to call XXXX XXXX XXXX, spending more than an hour being bounced back and forth between different people, they told me to call XXXX XXXX XXXX. After another long wait, I am told to call XXXX XXXX XXXX! I finally reach the original caller 's voice mail. Leave a message explaining that I used my XXXX card to send money not Amex. 

Next day, Thursday the XX/XX/2018, having not received any reply from the original caller. I call customer service again, I am passed on to three different people. They repeat the same exact scripted nonsense without listening to what I have to say. Anyway, I am finally told that the original caller is out until the XXXX and it's too late they already decided to cancel my card. 

After some argumentation from me, I was quite aggravated but remained polite throughout the conversation. I am told to call her replacement at XXXX XXXX XXXX extension XXXX. Again, I leave a voice message explaining everything to her and asking her to please call me back. 

Today Friday the XX/XX/2018, having not received a callback from the above mentioned person, I try my luck on twitter. After wasting more time there, I am told that they can not do anything and I need to call someone else somewhere. 

This situation is very intriguing because as I recall I had around XXXX XXXX points that I was trying fo transfer to XXXX XXXX miles program so that I could buy a ticket for my mother. The synchronicity of this while situation is very odd and having read about Amex 's practice online I can understand why they would inflict financial damage, stress and anxiety upon in order to confiscate my reward points and benefits. 

I would be grateful to you if you could help in any way you can as soon as you can, Thanking you for your understanding, Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX US SM BUS ADMIN XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 2022-05-19
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my VA Loan which I had with Amerisave Mortgage corporation for my property at XXXX XXXX XXXX XXXX, XXXX FL XXXX. I refinanced this loan for two reasons 1 ) change to a conventional loan, and 2 ) needed the escrow to fix the roof in my property.

The closing date of the new refinance was on XX/XX/2022. The escrow amount in that loan Loan # : XXXX was {$9000.00} which was agreed in the closing documents to be send to me via wire transfer to my bank account. 

I did not receive the funds so I proceeded to call Amerisave, on the week of XX/XX/2022 to find out why the money had not been transferred. Amerisave mentioned that the reason it was not transferred was because it was issued on a check with the wrong address of XXXX XXXX XXXX, XXXX, XXXX, but that I should receive the money as the check had been issued in XXXX XX/XX/2022. I was not given a specific time. 

Upon not receiving the check I called back to inquire on XXXX occasions XXXX XXXX and XXXX XXXX. I was instructed to wait for 30 days before they could reissue the check with the correct address. I asked to wire my funds at my own expense and the company denied. 

On XXXX XXXX I called to inquire again. I was told that they are reissuing the check and I should receive in 30 days time. The reason they cancelled the original check was because I had moved addresses and they had placed a stop on the check. 

Today XXXX XXXX I called back, asking about the check and was told that the order to issue was issued on the XXXX of XXXX but the check could take more than 60 days to arrive. I was also told there is nothing I can do on the matter. I spoke with the supervisor and they instructed me that I could not place any complaints as they are not a lending agency but rather a Mortgage service company and I should address this issues with the VA as this was a VA loan. Again I offered to pay for the cost of a Wire transfer and was denied. 

My formal complaint is that its has been as of today XXXX XXXX a total of 91 days since I closed on my house, and the explanation given was that I would have to wait an additional 60 days before getting the escrow funds I have already paid ; this would be a total of 151 days since today to receive my funds. Additionally, during the closing of the deal it was agreed that all funds will be transferred via XXXX not check. Finally, despite the fact that I have called consecutively there is no response except wait by the company and there is a misrepresentation by management and staff that I can not complain to any government agency. 

Additionally, why was the check issued to XXXX XXXX XXXX, XXXX, MA, XXXX when every single document of the refinance was stipulated as XXXX XXXX XXXX XXXX, XXXX, XXXX, FL XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed a dispute with Equifax and on XXXX XXXX they removed the item from my credit report. Then on XXXX XXXX it was put back on my credit report without notice. I did not receive any notice as of today even that they were going to reinsert the item. I have contacted an attorney in XXXX and he sent them a removal letter and a notice to sue and they still have not removed it. I have talked to many people and Equifax does take things off and then reinsert but NEVER SEND OUT THE LETTER STATING THEY ARE REINSERTING. They have 5 days to send me a letter of reinsertion and they have failed to follow that law 1681 a 5 a of the FCRA 611 a 5 b. I want the item that was removed on XXXX XXXX 2015 and put back on XXXX XXXX 2015 removed back off.And they also had the incorrect name of company, and had XXXX files for me. I had what they call a split file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Credit Karma, LLC
State: FL
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:
Credit Karma website told me I qualified for credit cards I didnt to obtain my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 2023-06-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
Beginning on XX/XX/2023, two different individuals without my permission or knowledge opened joint savings accounts with my name on them. They did this over the phone and then proceeded to transfer money from my 2 savings accounts and checking account. These fraudulent transfers totaled approximately {$36000.00}. The identity theft and fraudulent transactions left me with next to nothing in my accounts. These actions came to my attention when a received a Welcome to XXXX checking account promotional packet. On XXXX XXXX, 2023, I immediately made an appointment with my local banker and froze my accounts. Fifth Third initially said it would be resolved in 8-10 business days and then extended that to 30-45 days. The 5-3 fraud department has not been helpful in communication with me, their urgency to complete the investigation of my situation along with any financial alternatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
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: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am upset to know that false accounts are being reported on my credit history and is affecting my score. I do not know anything of these accounts and would like it removed.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: DE
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 my name is XXXX XXXX and i am writing to delete the following information from my consumer report. The items i listed i need deleted. I am a victim of identity theft and did not make the charge. I ask that you delete the information to correct my consumer report. Based on 15 us code 1681c- 2a a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged Identity theft, nor later than 4 business days after the date of receipt.

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 2017-02-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've disputed with all XXXX major reporting credit bureaus ( Equifax, XXXX, XXXX ) .I 've submitted XXXX different disputes regarding unverified accounts via cretified mail. There responce is verified without back-up documents. This issue is drastically affecting my ability to re-finance my properties! I feel as if I 've reached a road block. I greatly appreciate your assistance in this delicate matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: GA
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:
I recently reviewed a copy of my credit report via XXXX, and it looks like XXXX recently checked a copy of my personal credit report. I am not doing any personal business with the company and the inquiry should be removed from my credit report immediately. I also do not personally have any type of account with XXXX. 

The inquiry is dated XX/XX/2022. 

Please remove immediately. 

I chatted with both companies. XXXX redirected me to Experian and Experian redirected me to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I discovered that Colorado Housing Finance Authority ( CHFA ) sent out a check for {$310.00} in XXXX of XXXX. I never received a check, and discovered that it was sent out in XXXX of XXXX. I contacted CHFA and the rep said that they would research it and if it wasn't cashed would issue another check. The representative said that it would take between 1-2 weeks. After the 2 weeks past, and I did not hear anything else I called back in on XX/XX/XXXX. The representative said that they couldn't find the request but would resubmit it with 1-2 weeks again being said it would be done. After 2 weeks I called again. The representative said that they would send an email to their cashiering department and they would give me a status. In the beginning of XXXX I received an email from CHFA saying that the request for the check was submitted on XX/XX/XXXX with an estimated receipt of 30-60 days, which would of been XX/XX/XXXX. After the 60 days I called back and was told by various representatives and supervisors that it would be 30-60 days, 30-90 days, and my options are to wait the 30-60 days or start the process all over. Finally a supervisor said that she would get it it and I should receive it by XX/XX/XXXX and would receive an email with a tracking number as it was being sent by 2 day XXXX. XX/XX/XXXX passed and again nothing so I called back and was talked to a supervisor who said she was going to talk to them and I should have an answer by the end of the day. On XX/XX/XXXX, I contacted them again since there still wasn't any answer and was again told various other dates for when it will be sent out or would have someone contact me, which has only happened once back in XXXX. Every call has not offered any solution besides wait longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: FL
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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