BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-25
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Citibank, even though certified my XXXX status, knowing I am non-taxable person, still violate the law to charge me tax. I report to phone customer service and they stated I have to work out with banker in branch. I asked to banker, he did see I am certified and he did submit the request for me, and the case just closed and none of them give me reason of violation, yet they do not return the un-existing tax at all. In addition, I join their checking promo while I open the account, I finished the requirement, and I do not get what they listed " offer " there. I feel frustrated about Citi work.

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 2022-05-23
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
XX/XX/2020 I was diagnosed with a XXXX XXXX XXXX which caused me to miss work and lose pay. XXXX and XX/XX/2020 I missed payments because of this however I certainly had covid before it was announced. I have reached out to the ceo of credit acceptance multiple times. I have disputed these late payments multiple times to get this resolved. No responses.

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 2022-05-23
Company: EQUIFAX, INC.
State: GA
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:
Im accordance with the fair credit Reporting act XXXX Account number # XXXX XXXX  XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX has violated my right 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: ACIMA CREDIT, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Acima closed the complaint with CFPB without addressing the prior disputes of Privacy Policy Notice along with Truth and Lending disclosures. This Consumer Transaction falls under Truth and Lending due to the products being leased by Acima and Disclosures are required by law. Acima only responded with payment history along with the Lease Agreement which is clearly not the disclosures that I request. The failure from this Company to provide information that by law they should have and that I'm entitled too constitutes to Practices for Deception and Unfairness. I have disputed this matter 3 times directly and 8 times through XXXX totaling 11 disputes with no results. If Resolution is not met and Acima not willing to provide Disclosures Legal action will be sought.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-05-23
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of the accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C.1681. 
XXXX  XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604A, 2 states consumer reporting agencies can not furnish an account without my express written instructions and permission.

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 2016-06-12
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied the Citigold checking account XXXX XXXX by signing up for its promotion offer - a bonus of XXXX miles upon fulfilling its requirements. 

1. One day after I opened the account, I called Citigold customer service, the rep confirmed that I was indeed signed up for the promotion. 
2. In XXXX XXXX, upon completing the requirements for the promotion, I emailed Citigold customer service again. I soon received the following confirmation email that I indeed completed all requirements. 

" From : XXXX XXXX XXXX Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold, my name is XXXX. It would be my pleasure to review your promotion completion status. 

I am glad to confirm that you have completed all requirements for offer code XXXX and the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. Your 90 day waiting period will begin at the end of XXXX. Please keep in mind this waiting period is standard for all promotions and can not be waived. " However, five months later, I contacted the customer service again asking why no miles were posted to my account. I was told that I ca n't get the miles because I was not on their initial target list. 

I said I would be OK with the new decision if Citibank was willing to refund me the {$60.00} Citigold service fee I was recently charged. I would have not opened the Citigold and paid the fee if it was not for the multiple confirmations from their customer service. 

Citibank replied with refusal to refund the fee, and re-affirmed the refusal to honor the promotion I signed up for, despite what their reps confirmed in the past.

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 2022-05-23
Company: Southern Auto Finance Co
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I do prefer the communication in Spanish but if there is not a possibility I will find a translator. 

I did arrive to USA on XX/XX/XXXX with my XXXX XXXX XXXX son and because I needed a car to move around on XX/XX/XXXX I went to XXXX XXXX XXXX asking for prices and they took advantage of my good will making me signed documents under pressure and without giving me any more information of the financing, they made me buy a car and under fraud no only on the inflate price but also they use false information, by the suggestion and pressure and fraudulent sales tactics by the sales agent XXXX and the Manager, to apply for a financing of a used car XXXX XXXX XXXX, XXXX, Year XXXX with XXXX miles that cost me a down payment of {$5500.00} for what I only received a receipt of {$2500.00} dollars and any other document for the other {$2500.00} I paid with a check. 

The put on the report false information about my job and status in USA and made sign a car loan of {$19000.00} dollars, financing during 6 years with an interest of 16.99 %. using the XXXX lenders company. I will have to pay {$520.00} per month and I don't even have a job right now to pay that car that was over priced and they never inform me the exact amount I will have to pay for a car. They only gave me an XXXX XXXX XXXX with documents and I don't even received a bill of sale printed that XXXX normally provide. 

I will need help from someone in Spanish language from the CFPB. By the way, That is another way for them to take advantage of me as I can not speak proper English and they knew my status as tourist and that I don't have any job. That is something base on my research penalized by law to a lender that abusive from people like me. 

If someone in Spanish can contact me to my number XXXX I will appreciate very much. 

Thanks in advance for any help, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Kross, Lieberman & Stone, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XX/XX/XXXX, I received a past due balance statement from a Kross Lieberman & Stone in my maiden name, with my name spelled incorrectly. I contacted them to inquire what it was. I told them that it was sent to me in maiden name and spelled wrong. I have been under my married name for 8 years. They had my information attached to an icloud account that is not mine. I do not have an icloud account. They claim I bought a whirlpool kitchenaid mixer XX/XX/XXXX. I did not purchase this or sign for this. I suspected fraud & reported it to the police. I was advised that it was fraud & to ignore, but monitor my credit. They then called my parents home & left a message and sent another letter in XX/XX/XXXX. I again contacted police again. I was given the same advice and told if they continue to harass, to file an official report. In XX/XX/XXXX, I got another letter. Last week, we noticed our credit drop on our credit card statement. I went and filed an official report with the police and was advised to contact the agency to give them the police report number. When I contacted the agency, they told me to dispute it in writing. I told them I suspected fraud. They asked me questions about my information, and I again told them of the error in the name and the account that it was tied to. They then told me a new date as to when it was purchased & that I supposedly made two payments and stopped. They said it was delivered to my house. This information was different and new from the time I talked to them XX/XX/XXXX. I did not authorize such a purchase nor did I have it delivered to my house. The man I spoke with last week was completely rude. I was told to " put the report number in my dispute letter if it made me feel better. '' I asked how I supposedly paid for this and asked to be sent a hard copy of the authorization for this item and was told that they did n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I have a credit card from COMENITY BANK VICTORIA SECRET ( CB/VICSCRT ), and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COMENITY BANK VICTORIA SECRET ( CB/VICSCRT ) and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and COMENITY BANK VICTORIA SECRET ( CB/VICSCRT ) with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Investigation took more than 30 days

Complaint:
I've contacted CARRINGTON MORTGAGE SERVICES & they told me I've never missed a payment, yet XXXX and XXXX refuse to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. Iconstantly have to do XXXX and XXXX 's job for them to shield my credit & prove myidentity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

CARNGTN MTG  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: ASTA FUNDING INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Palisades Collections, LLC has continuously contacted me and harrassed me for a XXXX Account from XX/XX/XXXX, that I have previously Disputed as not being my account, as it is a result of Identity Theft previously with the XXXX, XXXX, XXXX. Then a few years later Palisades Collections, filed a lawsuit against me and it was dismissed as past Statue of Limitations ( by a few years ). I feel that Pallisades Collections, LLC knowingly filed a lawsuit that was past SOL with hope of a non-response default judgement. After several years of not hearing anything since the lawsuit, on XX/XX/XXXX, " XXXX '' of Pallisades Collections, LLC called me at XXXX from XXXX, to collect on this account. But because I would NOT verify my SS #, I was not provided the Name of the original creditor. So I called back on XXXX at about XXXX and spoke with a male named " XXXX ''. After learning of the original creditor, I immediately pointed out the SOL of this debt has long passed. And I was not paying a debt that I do not owe. I explained that I have very little concern with an account that is more than 15 years old. " XXXX '' then told me that he would continue placing inquiries on my credit reports to negatively impact my credit score. 

I believe this company will go through any unethical means to intimated, make false threats and also resort to unfair business measure to negatively impact consumers credit reports, IF Pallisades Collections, LLC. 's debt collectors feel the debtor will let it go unchallenged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: MOHELA
State: IN
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 filed a dispute in regards to incorrect items on my credit report it has been well over 30 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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: Investigation took more than 30 days

Complaint:
I've contacted XXXXXXXX XXXX XXXX & they told me I've never missed a payment, yet XXXX and Transunion refuse to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. Iconstantly have to do XXXX and Transunion 's job for them to shield my credit & prove myidentity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXXXXXX

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 2016-10-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage refinance through Santander Bank Back in XXXX of 2016. I have just recently been denied. Reason excessive obligations in relations to income. However in speaking to the agent they XXXX would n't use income from my car allowance or commissions I get. The agent did n't understand wy, huis boss did n't understand why. I just do n't want anyone else to have to go through what I went through. it was a waste of time and money. They did n't even look at my tax return. It sounds to me like thye just wanted to see paystubs, how much someone owes if it meets the 50 % they will do the loan. They do n't want to do extra work. not sure why they are able to do that. it cost me a lot of time and money and effort. They sould not be allowed to gt away with that!!

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 2022-05-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a credit card from XXXX XXXX  XXXX XXXX ( XXXX ), and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX XXXX ( XXXX ) and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX  XXXX XXXX ( XXXX ) with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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 2022-05-23
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: Account status incorrect

Complaint:
I have a credit card from XXXX XXXX  XXXX XXXX ( XXXX ), and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX BANK XXXX XXXX ( XXXX ) and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX  XXXX XXXX ( XXXX ) with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( Below Accounts ) Has violated my rights. 
1. XXXXXXXX XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX : XXXX 4. XXXX XXXXXXXX XXXX  : XXXX XXXX. XXXX XXXX 6. XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX [ Inquiries ] 7XXXX XXXX XXXX XXXX : XX/XX/XXXX [ Inquiry ] 8. XXXXXXXX XXXX  XXXX : XX/XX/XXXX [ Inquiry ] 9. XXXX : XX/XX/XXXX [ XXXX ] 15 U.S.C. 1681 section 602 A states I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written consent/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 2019-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Bureaus has not updated my account and I have attach copy as proof of payments been paid on time and current.

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 2022-05-23
Company: CORELOGIC INC
State: AL
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them

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