BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: IL
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:
Ordered a PC from XXXX XXXX XXXX Order # XXXX. 

They applied with XXXX with partial of the cost to their " payment system '' to pay off over time. While I put some upfront, the rest I applied for credit for. 

Upon having issues with XXXX filing several complaints and dealing with fraud on their side since I didn't receive the item I purchased. Rather I receive a fraudulent computer with removed serial numbers. Which is against the law. I called up XXXX to let them know that the item was counterfeit. They couldn't find any account information, only that it was attached to my social security number. 

EVERY XXXX attempt I made to get it changed for my personal information, I would have to talk to some XXXX who can't speak english and then deal with their nonsense of NOT UNDERSTANDING ANYTHING. I am saying. Then told me they couldn't access or " Prove '' who I was. When I was literally sending them multiple ID 's. 

I finally reached a manager at one point and sent over the information of the missing parts and PC with the FTC complaint and the PC being junk. The XXXX company also claimed that they wouldn't give me the serial numbers and " didn't have them ''. 

I was told that they would handle it with their fraud team. I was called from their fraud team a few weeks later. We settled the issue, as I thought. Because I dictated to them the penal codes and illegal XXXX that was going on. They claimed the issues was resolved. Here I am several months later seeing that it wasn't. AGAIN, calling their XXXX office up to deal with the same XXXX. Only to get the same runaround. They can't prove who I am. 

SO OBVIOUSLY. It's not my debt, if they have no idea who I am and someone used my Social Security number to make the account. If I can't pay the XXXX bill or am allowed to discuss it. THEN ITS FRAUD. The company supported the fraud and is continuously supporting it by not allowing me to do anything with it. Catch 22 fraud.

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 2018-08-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
So I opened a Chase XXXX Rewards Credit Card with high Available credit and had to spend {$5000.00} in 3 months to be able to get XXXX points for XXXX. So we took a vacation spent and spent about {$3500.00} on the first month than they just up and close the account the next month of the opening Credit Card. My Credit had no changes or any new derogatory marks beside actually going up a couple points. They said it was risk factors but the risk factors that they said proclaimed where there when I opened. Now I just spent XXXX dollars on a Credit Card to get rewards that I really did not need to do. I feel like it was some kind of bait and switched tactics and now my credit just to a hit Down 15 points because of them closing the account. Why on earth why they open an account and then just close it down the next month it makes no sense and since credit is so important these days I feel like they are just messing with people lives in this situation and needs to fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Cascade CISS Holdings, LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello I have reached out to the company via XXXX and had no results. 
I haven't applied for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/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
Consumer complaint received 2023-02-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX has contacted me two times, once in XX/XX/2022 and today again. Both times, this company has threated to sue me for breach of contract for a 20+ year old vehicle contract with Toyota Motor Company . They call me and tell me I am about to be served with papers and that I am named as the Defendant in a lawsuit that is being brought against me. This more than 20 year old debt is considered time barred. I have mailed a cease and decist letter but they still continue to harrass me despite me explaining to them that I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Chime Financial Inc
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today, on XX/XX/XXXX, I deposited XXXX dollars to my chime account through an approved vender via chimes app. I got notification on my phone that I had a current balance of XXXX dollars. I went to an atm and got a balance inquiry notifying me that my amount available was XXXX dollars. Later on I tried to withdraw money and was declined. When I went to the chime app to find out why, it would not let me log in and said my account was closed. It only gave me the option of emailing but not calling directly. After sending two emails I received no response for several hours. I finally called the fidelity bank number on the back of my card and got through that way. I spoke to several customer service reps who could not give me a direct answer. I was finally escalated to a supervisor who told me my account was closed, ( I already knew this ) and an email was scheduled to go out as to why. Well she could not tell me where my money was or if I would be refunded. I finally received a reply back from chime support stating my account was closed because I tried to access my funds too soon after depositing. Mind you, I have only just started using chime, and this was my first ever deposit. He told me I would be issued a refund within 30 days via check. I told him this wasnt good enough, I literally just got paid, TODAY and they arent releasing funds that are mine. I threatened to have my lawyer ( yes, I have an active lawyer working another case for me ) contact them, and he said he expedited the process and I should receive a check within 3-5 business days. Well here I am with no money and no way to support myself because chime took my money and closed my account for no reason justifiable. I want something done about this. And Im not the only one this is happening to. That money is fdic insured and I wont stop until I get my hard earned money back. It takes me two weeks nearly to make what they took from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion XXXX XXXX XXXX Why is an error still reporting on my credit file? I have sent over many certified letters only to have a computer investigate continuously. 

I am sending this message in regards to the error that was n't removed off my credit file. This has been a problem for months and I have contacted my lawyer about this situation. You will be receiving an affidavit to appear in court and why. I have given you enough time to fix this error and the investigation but it seems that you guys insist on keep this error on my file credit. I can name more several Sections in the FCRA that you have broken according to FCRA. I never signed up for an apartment so i am not clear to what is going on or who placed this account on my report so I 'm filing two different lawsuits on TransUnion and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Paypal Holdings, Inc
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Good day maam/sir, I am writing this letter to Complaint The Paypal Company Regarding my wallet account that they are permanently banned my wallet.I can't recieved and send money anymore. I wonder what violation i committed since all my transactions were came from my XXXX client.

I received email came from them like this Specifically, unapproved activities involving gambling, gaming and/or other activity with an entry fee and a prize. This includes, but isn't limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lottery tickets, games of skill, sweepstakes, and other ventures that facilitate gambling.

I never do that since i am a XXXX

May be they were mistaken of this action that they've done. 
I have balance in my paypal wallet worth XXXXXXXX XXXX XXXX came from my clients. 

Hopefully I receive nice feedback of this letter. 
Thank u and godbless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair reporting act XXXX all accounts on my report showing negative standings old and new have violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. SECTION 604 A. SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}, {$6700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: EQUIFAX, INC.
State: FL
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:
I've requested since XX/XX/2018 that XXXX provide all documents regarding this loan. Account # XXXX XXXX XXXX XXXX XXXX. My concern is I don't remember signing a loan for {$13000.00} as reported by XXXX as the original balance. Or the other amount reported of {$9600.00} as the credit limit or original amount. All my disputes for this accounts have come back as validated. If this is a consolidation I need proof of all loan documents with my original signature, dates of loans, and schools. A promissory note isn't proof of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated calls and voice mail from Harris and Harris ( XXXX ). I explained to them that the number they are calling belongs to me and does not belong to the the party they are attempting to contact. Yet, Harris and Harris continue to call!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recieved a letter from JP Morgan Chase about a pension I have with them. In order to withdraw funds, which I need during hardship caused by COVID-19, the letter instructs I must call HR or login using my Chase employee ID and password. I have not worked at Chase for over 3 years, therefore I am locked out of their system. When I called the HR number provided it says they are closed and only respond via email. Their response via email was to login with my Chase ID, which I already advised in my email I do not have access to. I was then instructed to call the help desk to see if they are able to unlock my account. I was on hold for 7 hours and then the call disconnected. I have called department after department and I am advised the same thing, I must call HR to access my pension. However, HR is closed and is not responding to my email. I need to withdraw money from my pension but have no way to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: U.S. BANCORP
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a traditional 30 year mortgage with US Bank Home Mortgage. My property taxes were due to the Washington DC on XX/XX/XXXX.  US Bank has been escrowing the taxes. They had the wrong Lot number associated with my property. I provided them with the correct lot # and a copy of the DC Real Property Tax Bill on XX/XX/2018, well in advance of when the tax bill was due. They still have not paid the property taxes and have not resolved the issue. My taxes are now late. The customer service tax department is particularly unhelpful. They are now telling me that they won't have this resolved until XX/XX/XXXX ( after I was told it would be resolved by XX/XX/XXXX ). Please advise what can be done. Thank you.

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 2018-03-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX to fraud had an XXXX ACCOUNT opened in my name. After i closed my 1st account I made a payment before it went to collections. I provided proof of fraud activity of the 2nd account because it was NOT mine. I sent documents of me reaching out to the Credit Bureaus, XXXX and XXXX XXXX. XXXX   XXXX  removed the collection since I shown proof the account was NOT mine. I provided the Credit bureaus proof of the removal and XXXX, XXXX & Equifax removed the collection. A month later XXXX added the account back on my report with out prior notification. They just keep saying account verified. But they only provided a bill NOT a contract, or any letter stating that they will be adding the fraud account back on my report. The total amount of the collection is {$560.00} from 2015. I have sent numerous letters and made numerous calls to all 3 places, XXXX, Equifax and XXXX this is a direct violation of FCRA and it needs to be removed as soon as possible. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Assured Financial Partners
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a voicemail stating I needed to call back immediately. When I called back I spoke with a XXXX whom wanted all of my personal information before telling me what the call was in regards to. When I told him I did n't feel comfortable doing that, he became very hostile and disconnected the call. I called back and spoke with another representative, who was able to tell me they sent out information to a very old address but could n't tell me why they called because she did n't handle the file, XXXX did and so she transferred me back to him. XXXX then told me he was calling about a credit card I took out with XXXX back in XXXX which had a balance of {$4000.00}. I told him I never had a credit card from XXXX and he became hostile again. I told him I want something sent to me about this " debt '' so I can have an attorney look at it as it is n't mines. That made him even more upset and he proceeded to tell me they already sent me something in the mail. I told him the previous representative told me they sent something to an old address and he told him she was mistaken. I said it sounds like you do n't want to send proof of this debt and per FDCPA I am allowed to request proof of the debt. I told him the 1st credit card I received was close to XXXX and he stated " well that 's not what your credit report says ''. He stated he was no longer going to argue with me and disconnected the call. I check my credit report very often and there 's nothing on my file in regards to what he 's claiming I owe. He was very hostile especially after I explained to him the laws I knew in regards to debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: OPES ADVISORS, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our house sold for {$330000.00}. The appraisal came back at {$300000.00} on XX/XX/XXXX. The comps were not even close to identical with our house. The lender, both Realtors, buyers, and another lender all said this was a poor appraisal. We put together an incredible list of comps, add-ons, and even a recent appraisal of the house next door ( smaller and older, appraised for {$340000.00} ). We requested that the appraisal be raised, and were told the appraiser was on vacation, so we had to wait a week and a half. Close date had to be moved from XX/XX/XXXX to XX/XX/XXXX. When the appraiser came back, he refused to budge on the appraisal. We requested it be thrown out and have a new appraisal, which was denied as well. We now have had to push back the close date on our new home 9 hours away, and living out of a moving truck with a XXXX month old baby and XXXX  wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated a withdrawal of {$100000.00} on XXXX from my Apple savings account by Goldman Sachs ; the transaction said in progress but nothing was moved. By XXXX I started calling customer service. At first they said they saw no issue that the external account was verified and that I should receive my money no later than Monday XXXX. On XXXX still no money and I contacted the receiving bank, XXXX, and they said there is no sign of any pending transaction or anything initiated. I called the GS customer service on XXXX and they said that I needed to talk to the fraud department. I told them to close the account and that I didnt trust the bank. It took me XXXX hours to get the fraud department, they sent a pin to my phone and she claimed she had fixed the verification and that they needed the back office to release the funds and she didnt know how long that would take. It is now XX/XX/11 and there is no sign they have released or sent the funds. When I call them, it still says in progress as of XXXX, there is no evidence they are willing to release my funds. 

Attached are screenshots of the account showing the initiated transaction and pending status and the receiving XXXX account not showing the transfer of the $ XXXX.

Company response to consumer: Closed with non-monetary relief