BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/XXXX, I noticed that there was fraudulent transactions on my account as well as ATM withdrawals. I notified the bank and filed a claim. After filing the claim I gathered all the information I could about what could have happened and filed a police report. I was almost 100 % positive I knew who had stolen from me which was reported to the bank and local police. After a week or so I received a denial letter from the bank statin that I either authorized or allowed the person to use my debit card for the charges. I called the bank back and refilled the claim explaining to them that I most definitely did not let anyone use my card or take money out of my account. I had informed them of the ways this person was able to take the money due to the fact that I use my XXXX XXXX to pay for things with the XXXX XXXX  feature and my card was in a drawer in my room. The person I was seeing had stolen my watch and was using it for codes needed to authorize certain transactions. As well as the fact that she would have had multiple opportunities to see my pin when we were out doing things and I had to pay with pin. The bank was also given a 3 page personal sworn statement and as of today, XXXX XX/XX/2021 the claim was denied for a second time. When I called I was told pretty much I was XXXX  The atm withdrawal was done at a Bank of America branch and they would have been able to pull the footage and see it wasnt me who took the money and that it was a women, the person I was seeing who then stole a bunch of stuff from me, and be able to verify my claim. Instead they told me there is no use in filing an additional claim as it wont be able to do anything. Im at a loss for words at XXXX I am. The total of the claim is {$2400.00}. That is a large portion of my income which is my VA XXXX. I have no job and this has put me in the red so far I dont believe I will be able to get back out if not fixed.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2023-11-14
Company: EQUIFAX, INC.
State: TN
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I've placed a order for two pieces of luggage with XXXX. I used my Amex card to pay for the XXXXXXXX XXXX total charge. 

The merchandise was delivered to me. As I was not 100 % convinced with the product, I request a return in line with the vendor return policy ( XXXX XXXX XXXX XXXX  The vendor issued me XXXX  label and I used the label provided by the vendor to return the merchandise, as requested by them. 

Between XX/XX/XXXX and XX/XX/XXXX I exchanged emails with the vendor, asking for my refund, while never getting a concrete response from them. On XX/XX/XXXX the vendor informed me I wouldn't be refunded claiming that they didn't receive the merchandise, despite me following all the steps they requested, which included packaging and dropping of the merchandise at a XXXX store using the labels they used. 

I have opened a dispute with American Express, where I submitted plenty of documentation multiple times. At first, Amex ruled in my favor, but has inexplicably reversed their decision 3 months after, well after the given period and after me getting rid of some of the supporting documentation. I ask CFPB to request Amex to provide all the documentation I have provided to them through the months, as they must have copies in their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal XXXX, I hope this message finds you well. I am writing to respectfully appeal the permanent limitation placed on my PayPal account ( email address : XXXX ). I believe there may have been a misunderstanding or error in the decision to limit my account, and I would like to request a thorough re-investigation of my case. 

First and foremost, I want to emphasize that I have always strived to comply with all PayPal policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe measure as a permanent account limitation. I take the use of my PayPal account seriously and have used it responsibly. 

I understand that PayPal takes security and policy compliance seriously, and I respect your commitment to maintaining a safe and secure platform for all users. However, it is crucial to ensure that account limitations are applied accurately and fairly. 

I kindly request that PayPal 's team reviews my case in detail, considering any possible misunderstandings or mistakes that may have led to this limitation. If there is any information or documentation required from my end to assist in this process, please do not hesitate to let me know. 

My primary goal is to resolve this matter amicably and have my account fully restored so that I can continue to use PayPal 's services as I have in the past. I understand that mistakes can happen, and I hope that, upon review, my account will be reinstated. 

Thank you for your attention to this matter. I eagerly await your response and the opportunity to provide any additional information necessary to support the re-evaluation of my account status. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My name is XXXX XXXX, My fiance is XXXX XXXX. We had a direct deposit tax return from the U.S. Treasurer in the amount of {$6300.00} into our Cashapp account # XXXX. We have verified we are the account holders. I am the primary. Cashapp will not grant access to our funds nor transfer our money to a new account that they directed us to create. They stole our whole tax return and will not give us our money. The cashtag on our account is $ XXXX The email linked to the account is XXXX The phone # that was linked to that account was XXXX The zipcode on that account is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: MOHELA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
MOHELA is my servicer, and they are showing the XXXX nonpayment as ineligible for XXXX purposes. They at one point dated a letter for XXXX, but didnt actually send the letter ( via email ) until XX/XX/XXXX saying I was on forbearence. I called that same day to explain that I did not want to be on forbearence and I wanted to be in repayment as the XXXX payment should count towards XXXX and I never needed a forbearence. My last payment should be XXXX, XXXX, which I paid this past weekend. Their system switched me back to forbearence on XX/XX/XXXX, which I again had to call and get them to take off. Now their system doesnt show the XXXX payment as eligible because I was on forbearence, a forbearence they forced me on that I never requested. They are going to mess up the timeline for my XXXX forgiveness and its not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I have transferred {$6000.00} from my XXXX account to my Chime account. Once the transfer was completed Chime sent an email stating that my account has been locked and they needed information submitted to unlock my account. Already knowing due to the amount they would need this information I was already prepared to send over appropriate documents. I got no response and reached out after the first few hours. Member service states they dont have access to view the issue at hand and that all correspondences for my issue needed to be done via email. This has been ongoing since XX/XX/XXXX in which Chime continued to send the SAME emails over requesting for a valid ID, some type of POR, and my bank statements from XXXX for the last 3 months and include to the statement showing the transfer of {$6000.00}. I complied with all request for these said documents, and still have no success in getting assistance with access to my account. The only other email I received was stating that my documents were not valid with no additional information as to why, and to contact member service over the phone. I went ahead and contacted member service again over the phone and they said once again that they do not have access and that I would need to continue corresponding with their back office team via email. I advised the agent then that I have been working on this since XX/XX/XXXX with no success corresponding with her back office team as they keep sending the same email over and over again. I went ahead and also advised the agent that they are requesting a statement for account ending in XXXX and MY account with XXXX ends with XXXX in which they can see on the documents I uploaded if they were reviewing properly. I had another agent that stated because I was sending a PDF form of my ID this was invalid and that I needed to send a picture of my ID. I advised that the email specifically states that all forms need to be in a certain form which PDF was included. All in all Ive been given the runaround with no resolution XXXX has also attempted to pull the transfer with no success. Ive also reached out to their fraud team and advised what was going on with Chime, and was pretty much advised to reach out to the FDIC in regards to this since no success on their end pulling back the transfer. Chime said they do not have any supervisors that they report to so they are unable to escalate my calls. When I do reach out Ive reached out on all social media platforms as well!!! Chimes XXXX team has been the only time Ive received an immediate response via email, but then they turn around and start sending the same email requesting for the same documents that I sent over and over again since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: PA
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. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions Inc.
State: MN
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:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX/XXXX  on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2023-07-25
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraudulent ACH Payment Transfers on XX/XX/2023 Received Fraud Alert Text from XXXX Received follow-up call back from XXXX During this phone call, the Chase rep stated her name was XXXX XXXX XXXX She asked me to verify with codes several times. We went through several troubleshooting tests with emails and texts for about an hour. She noted that they would need to freeze the account while they investigated the fraud charge from XXXX. She gave me a new username and password and said that my new debit card would be in the mail after about a week. 

Once all my information was verified, they had access to do several fraud ACH transfers. I was not able to login to my online acct because I was told I would be getting a new card in the mail and while the acct was under investigation they had to freeze it. 

XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$8700.00} to XXXX Total transfers stolen out of my business checking account = {$250000.00} I've been working with my bank ( Chase ) since XX/XX/XXXX and they have told me there is nothing that they can do and that there is no way to verify this was fraud. They have never asked me any followup questions and/or interviewed me or done any real investigation to see that this has been a phishing scam. They claim that the scammer was able to verify, which is exactly what happened because they had hacked into my acct online and were able to forward the codes to themselves. I have had no support from my bank even though the phishing phone calls and texts were spoofed as their customer services lines. I have been offered no protection from this huge catastrophe that is affecting my business in a very dramatic way. I have given them my phone history, text history and still no aid has been given. If you look at our two year history of this account, there is no other transactions that even come close to these transfers. It is common sense that these have indeed been fraud, but I have been left with nothing and no protection. If anything, I have been treated like a criminal by Chase by them continually closing out my claims without asking me a single question. I feel completely vulnerable and not protected by my financial institution. It has been laughable how quickly they have washed their hands of this very serious incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Ally Financial threatened again a Noncitizen National of the U.S.AXXXX ( ( 8 USC 1101 ( a ) ( 21 ), 42 CFR 61.1 ( b ) & Public Law 94-241 Section 302 ), a Sovereign American, and an Internationally Protected Person ( 18 U.S. Code 112 ) that they will unlawfully steal my private car knowing that they violated the law and crimes. The agreement must be able to be rescinded. 

The private car has a judicial notice. Stealing it from me is a crime. 5th Amendment - Nor be deprived of life, liberty, or property, without due process of law. 

All of these will be used against you on court. 


A Corporation can not sue the living man Rundle v. Delaware & Raritan Canal Company, 55 U.S. 14 How. 80 80 ( 1852 ). 
15 U.S. Code 1605- Not including Insurance and/or other fees in the finance charge. 15 U.S. Code 1662- Unlawful requirement of downpayment

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 2021-05-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Wells Fargo provided a credit for Negative Balances for the economic stimulus checks. 

This was never approved by myself, nor was there ever any communication between Wells Fargo and myself prior to the event agreeing to the conditions. 

This could have easily been overlooked by many account holders. 

Wells Fargo essentially provided a loan credit without any approval by the account holder. Now they are taking the " credit '' back from accounts possibly leaving them overdrafted, providing Wells Fargo with another {$100.00} in overdraft fees ( they charge the credit out multiple times ). 

This is an abuse of Wells Fargo Lending power.

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 monetary relief
Consumer complaint received 2018-04-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had an on going problem with this company. I have a 30 day late for XX/XX/XXXX which was not late. According to TFS my payments on this account were due on XX/XX/XXXX, the car was totaled out XX/XX/XXXX and the account was paid off as of XX/XX/XXXX which means the payment for XX/XX/XXXX was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my eleventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance : {$360.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief