BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase bank made me close two of my bank accounts and two of my three safety deposit boxes I had jointly with my mother in XXXX XXXX. I closed my savings and personal checking, and they let me keep my business account. I closed two of my safety deposit boxes. I had a meeting with XXXX around XX/XX/XXXX, XXXX they said at that time I signed a card and surrendered another box. I might have signed something, but I did not go into the box and empty it. The last person to sign off that card was XXXX. But I was not physically with him emptying the box on that day. Nobody has the right to empty the box without me or my mother present. Video surveillance should show that. The bank wont talk to me about it, or show me any of the sign in cards. 
On Wednesday XXXX XXXX my mother, went in to get something out of her box and they said there is no box. 
I asked XXXX to see all of the signature cards. XXXX said signature cards are thrown away after one year. As I was leaving I went back and told him it had been a little less than a year he changed his answer, and said they were thrown out at beginning of year, every year. He gave me a copy of the sign in card of the box that was closed in XXXX. 
He said the box was drilled, and he signed off that it was empty. no initials on card XXXX. 
XXXX also claims that he couldnt open it because he doesnt have the PIN number. he said that you have to have a pin number to open a box. I was told by the manager that that wasnt true either. She said sometimes you need it if youre going through their computer system instead of signing a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: VW Credit
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:
According to the Fair Credit Reporting Act 15.USC.1681 section 602A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15.USC.6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution by definition under that title. 15.USC.1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.15.USC.6802. ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to an affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX never informed me of my right to exercise my non disclosure option. Not only that 15.USC.1681.C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 dates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code1681s2 ( A ) ( 1 ) A states " 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.15 U.S.Code1681 estates " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681B of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12CFR1016.7 states that " A consumer may exercise the right to opt out at anytime. 
" I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/202XXXX 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 2023-08-24
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
To the PayPal Appeals Team, I hope this message finds you well. I am writing to address a recent development regarding my PayPal account, which has been permanently limited. I believe that this limitation might have been the result of an unfortunate misunderstanding or error. I would like to appeal this decision and kindly request a re-investigation of my case. 

I would like to emphasize that, to the best of my knowledge, I have diligently adhered to all PayPal policies and guidelines. I have not engaged in any activities that could violate these terms. The limitation on my account has come as a surprise and I am deeply concerned about the implications it holds for my financial transactions. 

Given the circumstances, I am kindly requesting PayPal to conduct a thorough review of my account 's history and the factors that led to its permanent limitation. If any irregularities or concerns are identified, I am committed to addressing them promptly and effectively to ensure the integrity of my account. 

The email address associated with my PayPal account is XXXX. I urge PayPal to consider my track record as a responsible user of your platform. I value the services PayPal provides and have always used them judiciously. 

I understand that maintaining a secure and trustworthy ecosystem is of paramount importance to PayPal. I share these values and am genuinely invested in resolving any issues that have led to my account 's current status. I kindly request PayPal 's understanding and assistance in re-evaluating my case and potentially restoring my account to its full functionality. 

I appreciate your time and attention to this matter. I eagerly await a positive resolution to this situation. Please feel free to reach out to me at XXXX for any further information or clarification you might require. 

Thank you for your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Santander Consumer USA 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:
On  XXXX   XXXX ,  XXXX  I purchased a    XXXX   XXXX   XXXX   from  XXXX .  The loan was taking out throu gh Chrystler Capital. After making our first payment we were notified that there were major issues with the car that we were  n't aware of before purchasing it. We then were notified that the dealership was n't able to obtain the title to out vehicle which gave us no choice but to turn the vehicle back in along with the plate and temporary registeration. Another month goes by without this vehicle and we are being told that the deal has been closed out yet i have bill collectors reaching out to me for payments to a car that i do not have access to at all. M y credit score had  decrease by  XXXX  points a few days later because of the dealership not being truthful closing out the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Cascade CISS Holdings, LLC
State: AZ
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 have a hard inquiry on my credit report that I did not authorize on XX/XX/2023 for xactus avantus rocket

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed to the credit bureau the reasons why  XXXX   XXXX   XXXX  located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this  XXXX  of  2016, It has been a year yet I have not received any feedback but yet this is still on my c redit 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 2023-11-16
Company: Dave Operating, LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I requested a cash advance from XXXX in the amount of XXXX. The outstanding balance is XXXX. I was unable to settle the balance at the time of the due date because I lost my job. I am currently unemployed. I submitted a revocation of ach and/or debit authorization to XXXX on multiple occasions. There is no way for me to speak to anyone over the phone and I can't get through to anyone in the " chat ''. The only I'm able to contact support is by email. I received email confirmation that I would no longer be subjected to ACH transactions. However, they still continue to process ACH transactions, and according to my bank they've made multiple attempts to debit my bank card. I specifically asked to cease all transactions in which they use my banking or debit card information. They continue to process ach transactions with the most recent leaving my account in the negative. Furthermore, none of those transactions are going towards the outstanding balance. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Good afternoon I have student loans that are service by the department of education. XXXX. Originally they did a garnish on my account in where they collect close to {$1500.00} if not more then while they were garnish my payroll I started making monthly payments of {$20.00} which was decrease to $ XXXX  monthly and it has been withdrawn every single XXXX of the month without delays or being late. The department of education continues to show collections activities with derogatory information which is damaging my credit and preventive me to qualify for a home which I am in so much in need for my children. I had tried to speak with them without resolving this matter. I dont think is fair. Yes I do have a student loan debt but it's being paid according upon agreement I do not believe it's fair continue this negative reporting when its incorrect and unacceptable.

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 2023-11-16
Company: TD BANK US HOLDING COMPANY
State: CA
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:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Gredit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of savoral laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i just read an article on your site regarding " Portfolio Recovery Associates , LLC On XX/XX/2023, the Bureau filed a complaint and proposed stipulated final judgment and order to resolve the Bureaus claims against Portfolio Recovery Associates , LLC, one of the largest debt collectors in the United States. '' i really dont know what to do anymore ... these people keep calling me daily regarding a debt that is passed the statue of limitations to collect.. ITS EVERY DAY ... and sometimes 2x a day .. and they just called again today A SUNDAY. which im pretty sure they are not alowed to do? i picked up once a few months ago and told them to stop calling this number and they still call .. please help..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, Chime notified my via email that both my checking and savings account were closed because of a breach in their policy and suspected fraud. I was advised that this could be resolved by sending the requested documents validating my identity. I provided this to them via email. I called them also and was told that I would receive my closure check ( remaining balance {$2000.00} ) within 30 days of my account being closed. I reached out to Chime multiple times for an update of my account status/closure check being mailed. I received the same info with different reps telling that their support/detail/back office team would correspond with me ( within 12-48 hours ) via email once they viewed my documents. I also resent my documents via email a few more times as well as calling Chime customer service. Up until this date I have not received my closure check or had my account reopened upon sending them valid documents. No one have not contacted me regarding this matter by phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: MIDFIRST BANK
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This bank after having a mma and cd before, has continuously denied me from opening an account. They have no solid evidence to deny this. I have reached out to XXXX as I have a clear and clean record, and I have a perfect 800+ credit score with no freezes nor fraud alerts on my credit reports. This bank needs to be investigated as to why they refuse to allow me to open an account unless its because they are discriminating against me for my support of the XXXX XXXX XXXX XXXX XXXX which most banks hate. I have consistently XXXX to XXXX XXXX XXXX and XXXX XXXX presidential campaigns with the XXXX XXXX which is disclosed on tax forms. The bank would have knowledge of this and this is why after having closed my previous accounts they refuse to allow me to open a new account. As mentioned above there is no solid evidence with XXXX or the credit agencies as to why midfirst ( Vio-Bank ) deny the accounts from being opened.

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 2023-08-22
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today I did a payment for US {$1000.00} to XXXX using Zelle, one family relative texted me using XXXX  and asked me to help him with medical bills from a recent ER visit he had, he told me to send the XXXX to the email above to pay for some medical supplies. We tried to phone him but due to his medical condition we were unable to get him on the phone so we did the zelle payment. Later today we finally got in touch with him and he confirmed that his XXXX account was hacked and he didn't asked us for money. 

We transfer using XXXX and filed a claim with them for this but they are not very positive. The person owning the email above is not a XXXX customer and they don't know what bank the money ended up. There should be more protection when using Zelle, like having the payment pending for a longer period of time at least XXXX hours, so a fraud is at play we have time to reversed the payment. 

Also, I hope this information is used to flag the account of this guy and somehow prevent others from being robbed. I personally won't use zelle again, the protections are not in place to do transactions in a safe manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised and requested in writing that EQUIFAX remove COLLECTIONS from credit report. Collections can not be on record unless there has been a summary judgement. Said company had 14 days according to LAW to remove such items.

FTC fraud report was filed on behalf of consumer. Consumer is now requesting EQUIFAX to provide the documentation used to determine that such collection is valid, when collection agent has NOT responded my demands and They HAVE NO LEGAL STANDING Consumer is NOT asking for an e-Oscar Report. If EQUIFAX does not have documentation to show THIS IS VALID, they must remove ASAP. Said company is liable under SEC to follow certain rules. EQUIFAX commision file number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. NY XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, NY XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX North Carolina XXXX. I will be filing form 211 Treasury OMB forms to audit consumer account.

EQUIFAX is securitizing consumer data yet refuses to provide consumer a copy of his CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: PA
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 identtiy theft and there is fraudulent accounts reporting on my credit. 

1 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}

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 2023-08-22
Company: BOK FINANCIAL CORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is withholding my insurance property claim money and not accounting for its whereabouts and hindering me being able to get repairs completed. They will not endorse checks and when they do they keep money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  is showing Charge off bad debt wage earner plan XXXX  XXXX when i explain for over 2mths im not im in a 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