BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
MIDLAND CREDIT MANAGEMEN has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me MIDLAND CREDIT MANAGEMEN has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Chime Financial Inc
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my Chime checking account was unexpectedly closed after receiving an ACH direct deposit for $ XXXX for my husband and my XXXX joint amended tax return after waiting over 10 months for the IRS to audit and processor our return. I immediately contacted Chime to find out why a hold was put on account. They informed me I needed to send several documents to verify my identity. After sending all documents requested, including the 2 letters from the IRS one in my name and one in my husbands name, stating the amount we were to receive for our amended return. XX/XX/XXXX I received an email from Chime informing me they have decided to close my account, no reason why was given. After reading Chime 's terms/conditions when an account is closed they have 14 business days to send remaining funds to address on file. It is now XX/XX/XXXX I still have not received my check for the remaining $ XXXX that was in my accout. I've called every day spending countless hours trying to find out where my check is. Only to be hung up on repeatedly, transfered over and over, put on hold for 10-15min over and over, as well as having to give my personal info and explanation of my issue to each agent I was transfered too. On XX/XX/XXXX, I was told by a Supervisor at Chime that they were very sorry for what was happening and she didn't know why my account was closed after providing all documentation requested or why access to my funds was taken away after 2 days of being able to access. She would personally garantee that my closure check would be expedited and sent on XXXX XXXX. It is XX/XX/XXXX I still haven't received my check and noone can give me answers. My husband our 3 kids and I have been put into a major financial hardship over this, we have been with out power for over a month, we have fallen behind on our bills and for what reasoning did they have to close my account after giving me access to our money for 2 days then ripping it away. We want our remaing balance asap!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020. I received a debt collection notice from Hunter/Warfield Corp., ( XXXX XXXX XXXX XXXX, XXXX, Fl XXXX ), a collection agency, on behalf of XXXX XXXX XXXX, XXXX Evidently, ( from Web search ) this is a property management company in XXXX , NC , demanding payment of {$1700.00}. 
I sent a letter ( XX/XX/2020 ), to Hunter Warfield indicating that this was most likely a fraud using my name and address. I asked for validating information : date and location of debt, copy of original transaction, and method of verification used by XXXX XXXX to verify the person 's identity, and other information validating this transaction. 
On XX/XX/XXXX, I received a letter from Hunter Warfield dated  XX/XX/2020 acknowledging receipt my letter, not complying with any of my validation requests. Instead, Hunter Warfield asked me for personal identification and any " supporting evidence of my claim of fraud. '' I have not complied with their request. 
This activity does not appear on my credit since I regularly keep all my reports frozen with all three reporting agencies. 
Last, and most important, I have never done any business, or had any business contact with either of the aforementioned companies until Hunter Warfield 's letter to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TD BANK US HOLDING COMPANY
State: MA
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:
Why are you reporting this account inaccurately? XXXX  is reporting all good payments yet XXXX  is reporting just all charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account XXXX named XXXX XXXX ASSOCIATES HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES, I HAVE THE RIGHT TO PRIVACY 15 USC 1691 SECTION 604 A SECTION 2. I ALSO STATE OF CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITH OUT MY WRITTEN, THIS ACCOUNT DOSEBNT BELONG TO ME. I NEED FULL INVESTIGATION AND SEND COPYS TO ME WITH WHAT EVER RESULTS INCLUDING PROFF.

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 2022-04-07
Company: Experian Information Solutions 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:
I filed an identity theft report with the FTC. I have made repeated attempts to have this information deleted from my profile which was not authorized. No one is helping me and no one has communicated back to me after over XXXX attempts.

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 2023-09-18
Company: U.S. BANCORP
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
While I have been in the process of getting qualified to purchase my home, an account was brought to my attention by a XXXX XXXX that was showing on my credit report. 

The account was added in XXXXXXXX XXXX XXXX without my knowledge or consent. In fact, the individual who added me as an XXXX XXXX onto this account has received XXXX XXXX requesting the exact opposite. In fact, I have recently initiated XXXX XXXX  against the individual for other reasons. 

The company, Elan Financial Services, was contacted by me on XXXX  XX/XX/XXXX. I requested access to be able to view the account XXXX through XXXX XXXX and the representative would not give me access. I am not sure why I was unable to receive this access upon review of the full policy and terms of agreement for the XXXX XXXX XXXX, I should have been able to request access or information. 

This has been taxing my report heavily, showing I am XXXX XXXXXXXX in debt that is not mine. Please expedite and investigate this matter to the fullest extent.

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 2023-08-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
To whom it may concern, I trying to pay my credit card Chase Sapphire Preferred bill using the remittance coupon from the bottom of my credit card statement as a conditional acceptance 15 U.S. Code 1693o1 - Remittance transfers I also got a credit line decrease back in XXXX XXXX from XXXX to XXXX I was suppose to receive a letter stating the reason for decrease but I never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
MID VALLEY COLLECTIONS FILED A CLIAM OUT OF VENUE DUE TO BEING CAUGHT BY XXXX XXXX OF XXXX COURTS ON XXXX XXXX SEPERATES ATTEMPS BECAUSE OF CASES I FILED IN HIS COURT ROOM HE KNEW MY WORK SHCEDULE AND THEM TO PROERLY SERVE ME AND THEN COM XXXX BACK INSTED THEY FALSELY FILED IN XXXX WHICH LEGALY OUT OF VENUE CLIAMING THEY SERVE ME ON THE XXXX OF XXXX  THIS WAS A CREDIT CARD OF XXXX XXXX WHOM WENT OUT OF BUSINEES AND LEFT ME NO WHERE TO PAY THE ORIGNAL AMOUNT WAS XXXX THEY PLACED XXXX ON MY HOME AND TOOK XXXX NEED HELP TO RETREVE XXXX Back I am care provider for my disable daughter on fix income and suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I opened a Citi checking account. On XX/XX/XXXX and XXXX, I deposited {$550.00}. On XX/XX/XXXX, I put in a request on the mobile app to transfer {$29000.00}. However, the next day I could not find any record of this transfer request on Citi 's mobile app or on the web at Citi.com. Accordingly, as any customer would, I assumed the transfer did not go through. Therefore, I made another transfer of {$10000.00} on XX/XX/XXXX which got deposited into Citi 's account on XX/XX/XXXX. However, the original {$29000.00} did go through ( despite no record of it originally ) and this double transfer got denied because there were not enough funds in the other bank due to the {$10000.00} transfer. This is clearly not fraud and an honest mistake due to Citi 's poor app/web capabilities, yet Citi nevertheless decided to close the account. 

Citi has been holding my {$10000.00} and refusing to give me my money back since XX/XX/2023. It's been almost one full calendar day and Citi is refusing to provide exact details on when I will receive my money back other than a vague " 30-60 day '' timeline. Why would it take 60 days - is the fraud team twiddling their thumbs? Is that calendar days? Is that from the day they blocked the account or close the account? Is the check going to be mailed on the last day so I need to account for more days after 60 days? From the day they blocked my account to the day I get my money back, I could be looking at 90+ days all in all. How is this not illegal??

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 2023-05-19
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my AppleCard that is issued by Goldman Sachs because Apole is denying me access to manage my account. I was locked out of my Appleid account when my ex-husband set up a recovery code and changed the 2-step verification phone number on my account without my knowledge of permission. This happened in XXXX of 2022 but he has been logged in and monitoring my activities for much longer, once again, without my knowledge or permission. He has since been impersonating me ( digitally ) and apple refuses to shut the account down. I have called them numerous times to try to resolve the issue but they always treat me like I am the criminal/identity thief. I still had the physical card and had to use it all the way to the credit limit because my ex has been financially abusive towards me. Apple let me make every charge in that card but will not give me access to make payments. That appleid had my entire life on it including years of photos of me and our XXXX kids. He knows everything about me such as social security number and all other information that identifies me. This knowledge, along with the photos, has granted him access to take over my entire life. I can not even get rental assistance because I believe he is also receiving this in my name. I am struggling immensely due to this and they refuse to help me. I did not want to close the card because I knew my credit would take a huge it but finally I broke down and clised it even though there is a {$2000.00} balance. Apple customer support assured me I this would completely shut the account ( the card, not the appleid ) down and I would then be able to set it up with my new appleid. I was not able to do this. It still said I have another account when I tried. I was then told I would not be able to so that until it is paid off and maybe not even then if I am niot approved due to a low credit score. This has been a complete nightmare for me. I do not understand how the credit card can not be untied from the stolen appleid. It is the same as if a physical credit card was stolen and all other credt card companies will immediately shut down a stolen credit card. Actually it is much worse because this account verifies my identity for any other online account. It is impossible that Apple does not realize how devastating this is so I feel they just so not care what happens to a single mother who is struggling simply because I have a measly little {$2000.00} credit limit. I am simply not worth their time. My time, on the other hand, is consumed by this. Time that I was unable to spend with my children as they are growing older. Time that I was unable to find and maintain work. Time that I will never get back. I just need a little help. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed a couple items on my Equifax report on XX/XX/2019. I disputed a violation on a XXXX XXXX account where a charge off is listed with a balance owed. ( see attachment ) which is a violation. When charged off the balance needs to be listed as zero. Equifax was showing a balance due. I disputed it. They affirmed it was correct - a direct violation. I also disputed XXXX reporting a balance owed on a charged off account. This is also not allowed. As you can see from the letter sent to them these are the only violations I sent. However, I received a letter from my OPEN XXXX  XXXX account that says I disputed their reporting which could have jeopardized my account with them and I NEVER EVER disputed this account. So why in the world would Equifax send them a notice I disputed the account when I didnt? WHAT THE HECK??? Equifax in in violation and lying about my disputes by sending a statement of dispute to XXXX XXXX. When I called XXXX XXXX, they affirmed that the attached letter of XXXX XXXX, and XXXX were the only accounts disputed and the Equifax falsified a statement that I disputed my account with XXXX XXXX. Since they have no stake in this matter I called Equifax 2 times and asked to discuss this. They stated call back in 30 minutes both times as their " system was updating ''. I waited 90 minutes between calls as evidenced in attached files. These 3 issues are a total violation of my rights. I have documentation on all of this, and its attached. The only acceptable solution is a statement that they are wrong for stating that I claimed their was a dispute on my XXXX XXXX account as well as to make sure there are no statments on that account stating disputed. Furthermore both the XXXX XXXX Account and the XXXX account that they verified as accurately reporting that are not to be immediately deleted as per the FCRA. I want all this managed immediately. There is no other acceptable solution, however a lawsuit is also a possibility since Equifax has commited 3 violations against me and is harming my reputation with current and future creditors based on their poor business practices. I have disputed XXXX XXXX and XXXX several times and Equifax has failed to acutally do an investigation and prove that their reorting is accurate. They are still reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Loan started out as a 30 year property loan but did not have the escrow added to it but we signed the papers anyway and the loan officer stated he would take it back and redo it with the escrow added to it, approximately 1 year later he came back with a business loan with a five year bloom payment and i had to put my home on this loan. after running the business for almost a year and mailing my payment directly to the loan officer there was nothing i could do but sign the loan or lose my business because the money had already been used. In XXXX my accountant found out that i owed more than what my original loan was and called the bank and they gave me credit for interest and late fees of XXXX and XXXX. When the five year bloom was do again they said they would add my line of credit to my loan and we paid our payment. then when this five year bloom payment was due they would not extend my loan due to me not paying on my line of credit. After talking with the bank and making payments on my loan and line of credit since XXXX of XXXX without a loan they still act as if my loan is a secret and have refused to help us. Many time throughout the years just trying to get information about my loan they say they can not talk about it and never call back. In the past two weeks they have sent a appraiser to both my house and business with her stating that she could give a 20 year loan but since then has switched it to she will only give me 3 month or maybe another 5 year bloom with my home on the loan. The original loan Officer has been let go and the bank was bought out by another bank over the last ten years and no one would talk to us so we decided to go to another bank to try to get a loan and with this bank saying i have not made my payments since XXXX my credit score is now bad and will not help me out. So since XXXX me and my Family have been scared we are going to lose my home and business, we have called several times and have asked for meetings with loan officer and the president of the bank but they say they are to busy and are to far away all we want is a fair chance to clear this matter up. We have papers from our accountant that we are making our payments, but no one seems to want to help us small people out.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
there is false and incomplete information being reported to my credit profile and I am running out of options. currently seeking arbitration. maybe a settlement is the last choice

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