BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
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:
On XX/XX/2021, I was alerted through XXXX that I had a new hard inquiry and that a new checking and savings account was opened in my name. It was opened with Citizens Bank. I did not open any accounts nor have I given anyone permission to do so with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Leaders Financial Company
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX $ Date opened XX/XX/2018 I spoke to the owner ( XXXX ) of the company ( leaders financial company ) And he removed that and added it to the new loan I took that time and I paid of everything to the company Not sure why it showed late payments in my account for almost a year or more

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/2020, I spoke to XXXX XXXX from Amerisave Mortgage Corporation about wanting to refinance my current mortgage to a lower interest, down to a fix rate 15 year mortgage, I told m Mr. XXXX that I am not playing games and do not like games and or misleading information, and above all I like to be honest and upfront. 
I told him that I had issues with another company who I was trying to refinance with, as they change the original agreement terms and had to many different people calling me and they were not communicating amongst themselves. 
I told him I did not want to deal with the same stuff and if that was going to be their deal, to let me know right away and we can stop the conversation. 

Mr. XXXX stated that Amerisave is a honest and upfront company and will not change the terms agreed upon and if for whatever reason anything was to change they would let me know so that I can make my decision to continue or stop. 

At first they were friendly quick to answer questions and or email, they asked me to a down payment of {$520.00} refundable. 
After I made the payment communication became more and more difficult, to the point that neither Mr. XXXX, Mrs. XXXX XXXX or their supervisor answer any calls, respond to voice messages or emails. 

They continue asking for more and more documents, which are being requested by at least four other people, and even after I submit the requested information they continue asking for the same items over and over again. 

As of today, they have not reach out to me to either tell me to XXXX XXXX XXXX XXXX XXXX, to cancel or denied the refinance proscess, and continue not to answer any phone calls, voice messages or emails, I have reach to all of the people already mention to stop the refinancing and to ask for a refund, but no ones is talking any more. 

If this company is working with the Veterans Home loans and other government financial entities, this company should be investigated for potential fraud or at least enforce them to refund the deposit to any other veterans who may be dealing with this and to my self. 

If you please keep me inform or if you can guide me in the right direction so I can get my deposit back and warn others about this company. 

Thank you XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: IL
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 this Fair Credit Reporting act, the list of accounts below has violated my federally protected sonsumer rights to privacy and confidentially under 15 USC 1681. 
The following accounts, Account Name1 : XXXX XXXX. 
Account Number1 : XXXX Account Name2 : XXXX XXXX Account Number2 : XXXX Account Name3 : XXXX  Account Number3 : XXXX Account Name4 : XXXX XXXX XXXX Account Number4:XXXX Account Name5 : XXXX XXXX Account Number5 : XXXX Account Name6 : XXXX XXXX  XXXX Account Number6:XXXX Account Name7 : XXXX Acccount Number7:XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than any records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681 s-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 believ that the information is innacurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Fairway Capital Recovery, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Fairway Capital Recovery called my personal phone number about collecting debts on behalf of a sorority that I quit years ago after I had already left the organization. They said that if I didn't pay the debts that my credit score would be damaged and asked for my email address and home address to send more collections to. They refused to tell me when my credit would be affected and give me verification of my debts.

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 2020-07-16
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020, I did a transfer or attempted to transfer {$50.00} from my child support card and it actually went through twice. I entered my XXXX account number but it never let me enter routing. When I called XXXX, they confirmed without routing funds would be returned. Ive tried calling and reached two individuals who said they would refund money back to my card. Never happened and now when i call, i wait on hold for over an hour and they hang up. I need my money bc I am now XXXX and living with friends

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 2023-06-23
Company: EQUIFAX, INC.
State: SC
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 several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX  XXXX Balance : {$2400.00}, ONEMAIN XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid 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:
This complaint is in response to CFPB Case XXXX. 

I submitted a dispute with Citibank this summer. I submitted the dispute under the wrong classification/category. I have tried for MONTHS to change the classification/category of the dispute, but Citibank is failing to acknowledge that. 

I submitted a complaint that Citibank was not acknowledging my request for a change in dispute classification/category. Their response to XXXX was irrelevant, and did not mention my attempts to change to the correct classification/category. 

My repeated attempts to remedy this situation with Citibank has been futile. 

-- -- -- -- -- -- -- -- -- -Here is a hypothetcal scenario to describe what I have been going through : - You decide to go on vacation to the mountains of Colorado . You find an XXXX-XXXX  and rent a house for 2 weeks. 

- Upon arrival, you find the house in great shape - just what you were looking for. The - house is warm and cozy, perfect for the frigid Colorado nights. During the day, you enjoy going out to hike and explore the countryside. 

- You do this for three nights. However, on the fourth night, you arrive at the house to see that the house is closed. The locks have been changed, and you no can longer stay the night. 

- You contact the owner and he says hey has closed the XXXX. He is pulling out of the business, and refuses to give you back your money. 

- You paid for 2 weeks, but only received 3 nights. He refused a refund. What do you do? 

- Well it turns out you paid with your Citibank card! You file a dispute for services not provided and fraud. 

- Unfortunately Citibank sides with the home owner because you misclassified the dispute. They also decide to take 6 months to make that decision, so the dispute window is now closed and youre out of luck. 

- But wait! Theres more. A friend of yours went through the same thing with Citibank, and Citibank gave him back his money! So now you wonder why Citibank has decided not to help 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 2020-04-22
Company: Experian Information Solutions 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:
I did not do or authorize these 2 accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Skrill USA, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received an email today that my account was closed, its the first time I ttruky ried processings a sales for my business with paysafe and all of a sudden my account is closed. I had sold some of my products to the customer and expecting to be oaid by paysafe so I can restock and all of a sudden my account is closed. I had a. XXXX  transaction I had charged on Monday, I want to know what will become of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I got an email today ( XX/XX/2021 ) from PayPal saying that they decided to permanently limit my account as they found potential risks associated with my PayPal account. I called customer service immediately and tried to understand why and how this happened. The representative said that based on the note in their system, it was because of a transaction, but the representative could not provide more details and said he could not help me. I asked him for other ways to get the issue resolved and also tried to understand what exactly happened to my account. The representative transferred my call to his supervisor and the supervisor told me this was due to my recent transaction with XXXX XXXX XXXX. The supervisor helped me to write a letter to the department responsible for getting this issue resolved. However, I got an email saying the same thing that my account was limited permanently after their review. I don't understand what happened and why this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I borrowed {$1200.00} in XX/XX/XXXX for approximately 2 weeks. On XX/XX/XXXX, I called to pay off the loan in full. The total was {$1800.00}. Big Picture Loans has not taken the payment out of my account and they are continuing to access interest on a loan that was paid off. They are refusing to present the ACH withdrawal to my bank XXXX. I have called my bank on 4 separate occasions to find out if the payment had been presented for payment. XXXX indicated that XXXX XXXX XXXX XXXX has never presented a ACH withdrawal. 

I spoke with the manager at Big Picture, XXXX twice and she assured me she would take care of the payment in full. 

Then I receive an email from the company stating they still have not taken the payment BECAUSE OF AN ERROR ON THEIR PART. 

At this time, I am filing a fraud complaint against this company for unethical business practices and extortion for attempting to access additional interest on an account that was paid off in good faith. The money has been sitting in my XXXX checking account since XX/XX/XXXXwaiting for Big Picture Loans to process my payment in full while I keep getting phone calls stating my account is delinquent and accessing more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: MO
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2021-05-28
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:
I'm writing to have the following fraudulent accounts removed from my credit file. The following accounts are in ligation and they are not mines. I've reported these accounts before, now I'm demanding that they be removed. 

XXXX. XXXX {$10000.00} XXXX. XXXX {$3700.00} XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX 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 2023-05-18
Company: EQUIFAX, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Before my lease was expiring on XX/XX/2020, I called XXXX XXXX XXXX inquiring how to return the car due to COVID-19. This was 10 days before the virus peaked in the state of New York. I offered to drive the car to the dealership but was informed that the appropriate department was closed due to the pandemic, there were no options to return the vehicle at the time and I was to keep the car and will be contacted for safe home pickup when the situation allowed to. I was also informed that I was not responsible for the situation and therefore will not be penalized by any means. I tried to make more phone calls throughout the month of XXXX, 2020 but the companies were closed completely due to Covid-19 and the offices were not answering my calls. On XX/XX/2020, the car was picked up after the Chase Auto group contacted me for a home pickup- like I was told they would. 
Shortly after, I received a bill from XXXX XXXX XXXX XXXX dated XX/XX/2020 stating for {$3500.00} A late payment has been reported the credit bureau by CHASE Auto Finance, causing severe damage to my credit. 
Their attempt to charge me this bill is a slander to my credit and an actionable law. 
I have made numerous phone calls to the customer service department and auto loan credit department at CHASE auto Finance and XXXX XXXX XXXX XXXX. I have put in numerous requests to speak to managers ; the request was to be answered within 48 hours. Each time, a manager failed to call me back. Account supervisors also asked to call me back after reviewing my case. Until today, I have not been called back by neither XX/XX/2020 XXXX ( ID # Unknown ) nor XX/XX/2020 XXXX ( ID # XXXX ) nor XX/XX/2020 Mo ( ID # XXXX ) nor XX/XX/2020 XXXX ( ID # XXXX ) and more. Almost all of these requests have passed the 48-72 hours request time which the managers/ account specialists needed to review the case and call me back. I provided them with back up phone numbers in case I missed the call but the calls were never even made. 
This has affected my credit majorly, which will cause me more issues in the future. The customer service has been horrible and unwilling to help with this outrageous bill. 
CHASE Auto Finance and XXXX XXXX XXXX XXXX will be held responsible for the damages, as well as punitive damages and misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: IL
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 Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXXXXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXX Fst Premier XXXX Not mine inaccurate information XXXX Santander XXXX Not mine inaccurate information XXXX Exeter Fin XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.

Affected by Natural or Declared Disaster ( e.g.

COVID-19 )

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