BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My citibank card is holding me accountable for fraud that occured. I immediately let Citibank know about 4 fraudulent charges on XX/XX/XXXX. They properly claimed 3 of the charges were fraudulent but made me responsible for 1 of the charges and let me know I'd be responsible for the charge on a letter dated XXXX XXXX, XXXX. I appealed the decision researched and provided documentation of the fraudulent charge and never heard back. 

I called on XX/XX/XXXX about the 2nd appeal and was told the original decision stood. I was not ever given a response or a reason why this charge was mine. I have provided them with information showing a fake address on the card, my name mispelled on the charge, no verification. 

Documentation has been provided.

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 2018-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries XXXX  company report 1 ] XXXX XXXX  XX/XX/XXXX 2 ] XXXX XXXX  XX/XX/XXXX 3 ] XXXXXX/XX/XXXX 4 ] XXXX XXXX XX/XX/XXXX5 ] XXXX XXXXXX/XX/XXXX 6 ] XXXX XXXX XX/XX/XXXX 7 ] XXXX XXXX XX/XX/XXXX 8 ] XXXX XXXX XXXXXX/XX/XXXX9 ] XXXX XXXX  XX/XX/XXXX 9 ] XXXX   XX/XX/XXXX 10 ] XXXX XXXX XXXX XX/XX/XXXX 11 ] XXXX XXXX XX/XX/XXXX 12 ] XXXX XXXX XX/XX/XXXX 13 ] XXXX XXXX  XX/XX/XXXXAlready I spook to customer service and send them letter to request remove this inquiries from my credit because never apply any about those companies and I am victim the inquiries issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The Car was totaled, insurance company paid 95 % of the loan. Resting amount since i had no gap was XXXX. I made a payment plan to pay off at XXXX per month. So it would give me time to atlease save for another vehicle. For my understanding the payment plan is to pay off past or future due amounts in payments. ( Witch i think is accurate ) and they agreed. XXXX payments have been made. But the company after 1 months still decided to mark my credit as DELINQUENT for the pass due amount. My credit score when down XXXX points. Is this Legal?? If i made the payment plan why would they still send me to credit??? I want to report this company as a misleading and a Scam. They do not help out with credit at all.

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 2023-07-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ive been banking with Chase since 2006, nothing was wrong until last month, they closed all of my accounts. I tried to call them to ask about it, they just said seems like Chase ended relationship with me. I didnt do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Accelerated Servicing Group LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was initially contacted by the debt collector Yesterday XX/XX/22 regarding a credit card debt and was offered a settlement amount with a website address. As soon as I logged into the website to view the settlement, my phone was inundated with phone calls from two different numbers and texts to pay. I started receiving nonstop calls and texts regarding the debt, one as early at XXXX am. PST. After explaining I need to load my prepaid debit card to pay the settlement, which I would do soon they began constantly texting and calling, threatening to call my relatives and my place of employment. I explained they were in violation of the FDCPA by contacting anyone but me with good contact information, and to please discontinue the text conversation. I continue to receive texts telling me it is going directly to the recovery department I need to pay now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Evergreen Financial Services Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call on XX/XX/XXXX at about XXXX from a representative for Evergreen Financial services named XXXX XXXX. XXXX told me that the payment was in default and she needed a payment in full. I told her I don't have the full payment, I have the {$190.00} we originally agreed upon. She insisted that i needed to make a payment in full ( which was a lie ) and asked if I had a credit card. After another exchange of words she asked if i could make a {$200.00} payment. I told her if that's what she needs, then I guess so. I gave her my debit card information and she process the payment with the confirmation # XXXX. Ask for her name and told her I was reporting her. Ms. XXXX 's unprofessional behavior and communication tactics are harrasing, misleading and hurtful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Exeter Finance Corp.
State: VA
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 Exeter Finance has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX ( XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. 

I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Westlake Services, LLC
State: FL
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:
Where do I begin.. I opened a loan with XXXX XXXX for an XXXX in XXXX of 2022. After XXXX days with the loan open, I had cancelled with dentist and loan company, as well as did not pick up the product. The loan company was bought out by Westlake Portfolio Management. I have called multiple times and was told my account had been closed, but that was never the case. I had found out recently when being pre-approved for a mortgage that my credit score dropped over XXXX points for delinquency. I called the loan company, and they told me that they could not make any changes and to contact all three credit bureaus. 
I have put in numerous disputes and Westlake Portfolio Management is providing the credit bureaus with false information. First off, my loan was for an Invisalign ( not auto loan - I would like to report fraud ). Second the account was supposed to be closed of XX/XX/2022 not XXXX of 2022, again fraud. Not happy when my credit score is affecting my life before getting married and purchasing a house. I know that this company has been reported before so I figured this process would be simple, but it has been rather frustrating. I need these delinquency marks to be removed from my credit score as they should not have been there in the first place. 

Also, every time I ask for written confirmation, they refuse to give it so I can not provide supporting documents to the credit bureaus.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-01-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/2022 I paid off a charged-off account with XXXX XXXX XXXX 
XX/XX/2022 I received a letter from XXXX XXXX stating they issued a request to the three major credit consumer reporting agencies, XXXX, Equifax and XXXX to update the account as PAID-Charge-Off. 
Equifax updated the account AND opened an additional XXXX XXXX account causing a duplicate account to be reporting twice the negative. 
I have called XXXX XXXX twice, XXXX and XXXX and both times they have reviewed and stated that only one account with their company has been reported to the credit bureaus and theres nothing more they can do. 
XXXX I sent a registered letter along with supporting documents to Equifax requesting they fix the duplicate issue, they opened a dispute, completed the investigation on XXXX without a written explanation of the results. 
XXXX The duplicate account is still on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2020, i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  XXXX  & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

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 2020-06-29
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in 2014 or earlier I had an XXXX XXXX which was covered under my insurance. Then a couple years later I see a collections on my credit report with no notification, I disputed and it was removed. A few years later it has came back. I have never received a notice of any kind from Rash Curtis in regards to this debt. With it being removed after my 1st dispute I do not feel it should have came back on my report. Rash Curtis Associates have a really bad reputation for falsifying debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-13
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: Information belongs to someone else

Complaint:
Got an alert that someone tried to open a credit card in my name XXXX XXXXXXXX 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 disputed late payments that are showing on my XXXX account at Transunion. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. Transunion stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.

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 2023-07-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I found out that a suspicious transaction has occurred in my XXXX credit card related to XXXX. I searched XXXX XXXX XXXX on the internet and there were XXXX phone number to call. I called XXXX of them and explained the issue. He ( the operator ) told me that " you are hacked, and you have to verify your data with our server first. He asked me to download " XXXX '' app on my phone and I did. So he monitored all the activities happened in my phone. He guided me to XXXX and ask me to go to the " identity information '' to complete my personal information and after that transfer money through XXXX to verify my account on their server. I entered my full name, mail and email address, and XXXX ( Not sure full or last XXXX digits ) and he was monitoring my phone all over those activities. After that he guided me to " transfer section '' in XXXX and asked me to send {$490.00} to his XXXX account. At this time I suspected him and hung up the phone. His company number was XXXX XXXX XXXX and his personal number was XXXX XXXX XXXX. After that he called me again and texted me but I ignored him. At the scenario I am afraid of leaking my sensitive information. 
The second scenario happened after the first one. Again I grab a number from internet and called that. A person responded and said " XXXX XXXX, how may I help you '', the same as the first call. I explained my issue to him and he mentioned the same things as the first call. He monitored all of my activities by " XXXX '' application, he asked me to go to XXXX and XXXX  to find the problem. He said we have to solve the problem by veerifying you at the first. He guided me to my Citizens ' mobile banking, and I did transfer {$2000.00} for someone who has mentioned that is his XXXX ( XXXX XXXX XXXX at XXXX ). His company number was XXXX XXXX XXXX and his personal number was XXXX XXXX XXXX. Unfortunately, I did transfer the money and after XXXX hour and chat with XXXX  I found out that it has been definitely a scam! I called my bank and reported a claim with the claim number of " XXXX ''. 
At the second case I am not only afraid of leaking my sensitive data, but also loosing {$2000.00}. I made a police report at XXXX station as well with report number of " XXXX ''. 
Again yesterday the second scam texted me and mentioned " please do not worry I am back in office and will call you now in XXXX minutes '', but he did not call me. Additionally, yesterday I received an scam email from XXXX with the title of " XXXX alert has been detected on your account '', log in to see more information. And it was a link to click on. I am not sure that I clicked on the link but I think it has been resulted from leakage of my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Paypal Holdings, Inc
State: MO
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 had a friend send me some money on Venmo, and when I tried to transfer the funds to my account I had an error about verifying my phone number, It seemed strange because I had already done it and when I tried to re verify it told me this account number is already verified Now it wont let me access the account whatsoever and customer support is just sending me the same email saying to check security settings, but I cant even access the account anymore. 

I have XXXX XXXX  in the account that I desperately need and I also realized that this is a nationwide issue. I needed that money weeks ago and it caused an insane amount of problems that Ive had to deal with since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
I called Capital One to transfer my CD to my savings account and the representative on the phone said to me that I had closed the Capital One CD account. I told the rep that I never closed the CD account. I spoke to 3 different representatives on the phone on the same day. This is where I was informed that Capital One closed the CD account in XX/XX/2020. The representative said that they sent a notice about the closure and I clarified to Capital One that I never received any correspondences in the mail that my CD account was closing. Capital One said that they closed my CD because it was an old account and that they transferred the money into my savings account. I want to get the documentation that my money was transferred from x account to x account. The amount that I had in the Capital One CD is {$15000.00}. I want to get all the Capital One Certificate of Deposit statements from XXXX. All the notices that I should have gotten during renewals. I recall my renewal was every 7 months.

Company response to consumer: Closed with non-monetary relief