BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I wish to file a complaint against PayPal. Here are the details of my dispute with PayPal : 1. On XXXX XXXX I did a search on PayPal for XXXX XXXX, to whom I was to send payment for materials for my workshop. Only one XXXX XXXX came up, and there were no other details that could have helped ascertain that this was the correct XXXX XXXX. 
2. Unfortunately it was not, and I notified PayPal within 7 hours, while the transactions still pending, that I had sent the money to the wrong person. This is an option on PayPals dispute page. 
3. The following day I sent payment to the correct XXXX XXXX. And notified PayPal, requesting that they be aware of the fact that there are TWO XXXX XXXX and that their search engine only brought up one. I asked them to please return the payment, as it was still pending.

4. Yesterday I received a notice from PayPal that my case was being closed because XXXX XXXX ( the wrong one ) had received the payment. No mention was made of any investigation into the fact that the money was sent to the wrong person, and that I received no materials in return for the payment. PAYPAL DID NOT INVESTIGATE THE DISPUTE BASED ON THE REASON GIVEN THEM FOR THE DISPUTE. 

These are PayPals details for the dispute : Transaction Date : XX/XX/2023 Payment Amount : XXXX XXXX Recipient : XXXX Transaction ID : XXXX Case Number : XXXX Thank you, I am a XXXX XXXX XXXX XXXX XXXX, pipe organs, violins, and early pianos. I can not afford to lose {$400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 an application was submitted for the XXXX XXXX XXXX American Express Card and was denied. ( XXXX XXXX # XXXX ) Upon receipt of the denial letter I called the number to rebut the claim. However, the customer service agent only regurgitated what was on the denial letter, and when I asked to speak to the supervisor he regurgitated the same thing. They were unhelpful, difficult to understand, and rather discriminatory in their assumptions of my capacity to fulfill contractual obligations. 

I simply asked questions such as " What did American Express do with the original application I submitted if they are not going to release my credit? '' but the reps could not answer the question and ignored it. 
I asked, " Is American Express not under Truth in Lending? '' in which they only repeated that my credit score was too low. Any representative I've spoken to so far with American Express were clearly unsuited to answer my questions. 
I also requested to speak with an executive, the trustee of the account, or any authorized persons to dispute the claim but was rudely denied that request as well. 

Today on XX/XX/2023 I sent them a written response to their adverse action via registered mail informing them of the applicant 's right to credit and instructed any authorized person ( s ) to either conduct a second review of the application or to retract the security collateral entirely. 

The purpose of this complaint is to remain diligent as a consumer and hopefully get into contact with the proper executive department at American Express to establish a business relationship in good faith. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dear Chase Bank Customer Service Department, I am writing to express my serious concern and disappointment regarding the denial of my fraud claim despite providing all necessary documents, including a police report, to support my case. The unauthorized transactions, totaling {$2900.00} and made to XXXX on XX/XX/2023, have caused significant distress. 

On XX/XX/2023, I engaged in a conversation with a representative named " XXXX. '' During this interaction, XXXX displayed a lack of professionalism by being rude and unhelpful. She not only threatened to close the claim but also treated me as if I were responsible for the charges. XXXX informed me that Chase Bank 's official policy requires a police report for transactions above a certain amount. In compliance with her instructions, I promptly submitted a police report via fax on XX/XX/2023, to the number provided by XXXX. 

Regrettably, I have not received any updates from Chase Bank since then, indicating a lack of willingness to resolve this matter. This continued negligence and disregard for the rights of a customer are deeply concerning. 

I find the lack of transparency in Chase Bank 's response to be unacceptable. I have not received any reasonable explanation for the denial of my fraud claim, and this has left me with no choice but to consider escalating this matter to legal action. However, my primary goal is to seek a resolution without resorting to such measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
It wont let me open a acc

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
there are multiple inquiries on my credit report that I did not authorize at all multiple disputes have been made to Exerian and they have failed to provide me with proof of the investigation that the companies had permission to make those inquiries to my credit report Experian and the companies have me going back-and-forth here are proof about the letters I had sent to Experian .i also sent another letter to Experian today XX/XX/2023

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 2023-11-11
Company: BTS Motors, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX was taken from me. That was my down payment for a XXXX XXXX XXXX. I confidentially submitting my information knowing that I was dealing with a used car lot that wouldnt sell me a lemon. However, I bought the car on Saturday XX/XX/XXXX and by XX/XX/XXXX I was driving for groceries and an oil pressure light came on telling me to immediately stop the car. This car had been driven for less than XXXX miles. It was used solely to take my daughter to school and pick her up from daycare which is a total of XXXX miles XXXX daily. I work from home so I instantly drove home daily. This was very upsetting to me because I had just spent all of my money on this car because I have to take my daughter to school daily since the bus doesnt run to my apartment because we live less than XXXX miles away from the school. My car was then towed back to the shop and kept for around XXXX hours leaving me with no transportation to take my child to school. I got the car back on Friday XX/XX/XXXX and no one let me know that it was ready. I called multiple times to see when it would be complete. I was lied to once by the XXXX XXXX who let me know that my car payment would not come out of my bank account since the car was having problems. Not only that, before I left the car lot I was advised that I could set up monthly payments. After the car broke down I called to request my down payment back and XXXX informed me that I would have to wait until after the car was fixed to see if it was fixable and also that if it wasnt, they would just put me in a different car. Which is insane because I hated every other car that they had. It was either full of dog hairs or just extremely out of date. Friday morning low and behold.. the car payment was deducted from my account. XXXX also let me know that I would be able to schedule my payments monthly, I went up there and spoke to him face to face and watched his lips shake nervously as I questioned him about it. All he could say was you have to pay forward in order to pay monthly why would I pay ahead on a car that has broken down? That was also insane. I was also informed that I XXXX have to pay half of the price to fix the car when I called to check on it but there was absolutely no way I was going to do that. I was also informed that the toy company coming to get the car was technically supposed to come out of my bank account. This car lot is shady. As I sit here and type now, XXXX wondering if the car will continue to work or if they just bandaged it to make it last a few more months. XXXX hoping that this message reaches the right person and XXXX able to cancel this contract and get my down payment back. Its hard to live and stay sane knowing that XXXX dealing with a shady car lot and also knowing that my car could break down again any day. Its frustrating that car lots do people this way to get over on them.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I have attached proof that Equifax has admitted that I was in fact a victim of this XXXX XXXX and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. I can if necessary, draw up all the negative accounts from my Equifax credit report with account numbers and have them removed asap and I would like to file a complaint against them as well. Thank you in advance...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX aka XXXX XXXX XXXX aka XXXX  possesses countless disputes here that are ignored, refuse to fix, or find a loop hole to get rid of dispute all aimed and intended to do nothing about the false data and to make sure that the false harmful data is always there with maximum harming qualities. 

1. The contract is unenforceable my performance excused because it was the result of fraud and they know it 2. The contract was canceled within the three day statutory time period 3. No payments were ever made 4. Payment for XXXX check XXXX was illegally misused to make fake fraud payments. Violation ca fin code 5. Payment for XXXX check XXXX was illegally misappropriated in breach of contract provisions in the contract enforced Remove this account from my credit file. It contains false fraudulent harmful information and u know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX XXXX {$0.00} XX/XX/20XXXX 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 2023-12-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I'm writing you today regarding my mortgage loan held through Third Federal Savings Bank. The mortgage balance {$9800.00}. 
I was behind on my mortgage and received a summons for court dated XX/XX/XXXX. 
I summitted a letter to the court XX/XX/XXXX. 
I received a statement from Third Federal XX/XX/XXXX Advising me to pay {$5300.00} by XXXX XXXX. This amount was paid on XX/XX/XXXX. To reinstate my mortgage. 
I confirmed with the staff that the payment was made once again confirming that my mortgage was reinstated and current. 
However I was told that I still owed attorney fees and court costs of {$4500.00}. I asked why since this never went to court. 
The amounts they wanted could have paid off my mortgage in full {$9800.00}. 
The mortgage payment includes escrow which was never offered to me to include in the modification that I did in XXXX. 
Today XX/XX/XXXX th is the anniversary of my husbands passing suddenly at work at XXXX. As a widow I'm trying to do the right thing by working XXXX jobs however my other job wasn't putting me on the schedule leaving me with only the XXXX job. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the summer there is not a job for me there not being out on a schedule at my second job created many hardships. 
With the State of Ohio the maximum fee is {$3400.00} and that is for a completed foreclosure. 
I have sent XXXX letters one to the bank, attorney, and the CFPB Facing this has lead to stress and health issues but I still go to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: I.C. System, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
No idea of this account. Address on report is the complex next door to my old residence. Never stayed there. Never been evicted. This is Fraud. Original creditor XXXX XXXX XXXX XXXX. XXXX sold to XXXXXXXX XXXX XXXX for XXXX. This address and debt is unbeknownst not mine. Ive already disputed this account with XXXX. Also An ATT account that I never had and XXXX Also. I have never had a fancy phone. Always a government phone. I am on XXXX XXXX. I can not afford these phones that are XXXX of dollars. I live in a XXXX XXXX. I was just homeless and lost all my identification within the last 2 3 years and thats when all the fraud started. AT & T is {$2600.00} already disputed and police reports made. XXXX XXXX {$1200.00} disputed and police report made.

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 2024-01-10
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The company initially responded saying that the merchandise was repossessed, and my account was delinquent, then after a second complaint, the company said that after investigation, the merchandise was recovered from XXXX XXXX and my account does not reflect being repossessed. The company did not provide any solutions or escalations of action in regard to reporting this to the credit agencies nor did they provide proof of investigation or proof of current account standing.

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 2023-11-30
Company: Global Lending Services LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I reached out to Global Lending Services ( GLS ) in order to obtain documention regarding the wrongful repossession that they conducted on my previously owned vehicle. Global refused to do so. In addition, I requested a detailed backup of all information they are claiming is still owed on this loan that they have refused to provide. To provide the history of their wrongful practices, it is important to note that on XX/XX/XXXX, GLS sold my vehicle at auction without providing me any notices whatsoever and did not provide me any right to redeem in that process. Instead left me without any means of transportation for work and ultimately cost me my job. Prior to this all occurring, I had been in direct contact with the GLS customer service department and had been informed that they would be working with me since I notified them that I was having mechanical issues with the car and needed time to get payment to them due to the unexpected costs of repair. Instead they sent someone to the repair shop to repossess the car with out any communications and without the 10 day written notices that is to be provided as indicated in their sales/finance agreement executed in XX/XX/XXXX ( sections d, e and f ) not excluding any other consumer rights or remedies allowed by Law. 

I am asking for your assistance in obtaining the documents I have requested so that I can determine the best course of action with this now unsecured creditor and also to report their unethical business practices. These documents are : All notices that should have been provided to me prior to the repossession and after ; The Bill of Sale for the Auction that I was never informed of that occured on XX/XX/XXXX ; and the Release of Lien that occured when they conducted that sale including a full accounting including a amortization schedule of all payments applied to the note from origination. 
They informed me today, XX/XX/XXXX, I would be provided the documents I was requesting is if I paid off the deficiency balance ( that is now considered an unsecured debt ) which is what lead me to reach out to your agency for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i notice a account on my credit report i did not open up i disputed it and its still on their i want it remove immediately i never open or seen this account before

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