BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-10
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The instrest for the loan is 890 % I was not told this was going to be this much. I borrowed XXXX and the intrest is XXXX every two weeks. Nothing is going to the principil. I still owe XXXX to pay this off after making paymnets. I called and they said I was charged the lower intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent many disputes to the Credit Agencies and to Enhanced Recovery in regards to the account that they are reporting on my credit file. I have informed them many times that this account do not belong to me. I contacted the Credit Agencies and they stated that Enhanced Recovery verified that this account is accurate. But it is ironic how Enhanced Recovery will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Enhanced Recovery. Not to mention, this account is still reporting on my credit file. I need your assistance in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: XOOM CORPORATION
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX has a money transfer service that claims to transfer money top a debit card in 30 minutes and to XXXX within minutes. I first tried the card option which took the money out of XXXX and held it for 12 hrs before cancelling with no reason listed on the account portal. I then tried the XXXX  option and after several hours cancelled since the money did not get there in minutes. The money did not make it back to my account for several hours I called them. They said that the card came up expired, it was not, and they couldn't do anything about it. They also said that since I cancelled it would take 3 days to get my money back. This has caused severe financial hardship leading to extra overdraft fees on other accounts and left family members stranded w/o money. This company needs to be fined and forced to be honest about how long these transfers and refunds take up front. Many of us are living on a razors edge and stunt like this can have sever consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have spent many months disputing wrong and inaccurate information on my credit report. they have fail to properly to investigate or correct the many problems they have on my report. Everytime i dispute something they send back an generic response saying that the information have been verified. i have even sent in a police report for a few accounts still nothing. the cant even provide the proper documentation to show that the account belongs to me. they don't sent me anything but a copy of my report.

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 2021-12-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft SANTANDER BK Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2015-07-19
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This company does not show up in the California Business Oversight as having the legal right to charge a usury interest rate of over 1000 % to persons in the state of California or elsewhere. I received an undated letter from them on XXXX/XXXX/2015 claiming to turn this illegal account over to a collection agency IF I did not pay this illegal account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited XXXX state checks from my XXXX retirement fund, in person at chase on saturday XXXX XXXX 2015 at XXXX. Both the checks were over XXXX k but both are state or local government issued checks. I was planning on using some of this money to buy XXXX presents for my kids. The teller casually told me after i asked that it would be 2 days to clear ok no prob. But i look on reciept and it says XXXX XXXX. I have a credit uniom i can take them to that would make them available sooner. From what i read of cc federal reserve regulations this is a violation. Because i deposited a local government check in person i believe 2 days is the max hold. Am i wrong, and can i get the checks back monday morning so i can take them to credit union?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have spent many months disputing wrong and inaccurate information on my credit report. they have fail to properly to investigate or correct the many problems they have on my report. Everytime i dispute something they send back an generic response saying that the information have been verified. i have even sent in a police report for a few accounts still nothing. the cant even provide the proper documentation to show that the account belongs to me. they don't sent me anything but a copy of my report.

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 2016-11-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I was a victim of Hurricane XXXX. I live XXXX miles from the XXXX County, XXXX ( dead center hit of the storm ). I was out of work, quarantined in my home/neighborhood, then on a curfew, completely out of service -- phone, cell, electric, heat and gas for our cars was rationed. I did not receive bills or mail, could not pay bills which resulted in falling behind in my bills. I received a government mortgage modification and it took several years to get completely back on track financially. However, regardless of the struggles and attempts to communicate with Citizens Bank they were intent on repossessing my car. Furthermore, they lied about how the money, I was advised to wire to them, was going to be allocated. In XXXX 2017, I finished paying my car loan, every penny, however, I did not receive my title. I contacted Citizens Bank only to XXXX I still owed late fees even though I was advised, late fees were covered at the time of the wired payment to Citizens Bank. I was advised the wired funds I had sent were going to be applied to late payments, as well as, fees for the late payments. However, Citizens never applied funds to the late fees. I sent a letter explaining the same to Citizens requesting relief from these late fees incurred during the natural disaster, since the bank did not apply them as they advised they would. To date Citizens bank has not responded to my letter. I also attempted to call the headquarters and could not reach anyone in my call who could confirm my letter was received ; the name of the CEO at Citizen 's ; or the correct address of the headquarters. The representative was unable to tell me anything about the bank they worked for ( ( XXXX XXXX XXXX ; customer service ). My letter was sent to XXXX XXXX ; RBS Citizens Financial Group, XXXX Citizens XXXX, XXXX RI, XXXX. In my letter to Citizens I also requested the recorded phone tapes surrounding the reposition incident be examined to support what I was told and how I was treated. 

I am requesting Citizen 's Bank waive the late fees ; send me my title ; remove any negative marks from my credit report on and following XXXX -- Hurricane XXXX. Your help is requested in contacting them and achieving this thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Issue: Late fee

Complaint:
I have a Capital One Credit card that has a XXXX balance on it. Capital One charged a {$59.00} annually card fee without sending me a statement. I never received a statement and was not aware of a payment being due, since the card has a XXXX balance. Capital One charged a late fee and and report a XXXX day late to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This letter is being sent to you in response to the above reference account that Enhanced Recovery Company has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Enhanced Recovery Company for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED ACCOUNTS THAT ARE DREOGATORY, WHICH CONTINUE TO REMAIN ON MY CREDIT REPORT. THESE ACCOUNTS NEED TO BE REMOVED EXPEDITIOUSLY AS THEY ARE CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2021-12-18
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED ACCOUNTS THAT ARE DREOGATORY, WHICH CONTINUE TO REMAIN ON MY CREDIT REPORT. THESE ACCOUNTS NEED TO BE REMOVED EXPEDITIOUSLY AS THEY ARE CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report that do n't belong to me. This is my second complaint against Chex Systems in regards to this matter. I filed a police report with the XXXX Police Department in regards to the unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report. I was given a police report case number which is : 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 2021-12-18
Company: EQUIFAX, INC.
State: IL
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 have already submitted a report via the CFPB and Equifax responded that they " did an investigation and will mail the results. '' However, none of my information was corrected, I never received a follow up, and they actually mailed information to the wrong address under my previous name. The prior complaint is as follows : I've been trying to contact equifax for over a year now to correct my credit information. I had a legal name change in XX/XX/2020 and I contacted them when they were causing issues with incorrect information beginning XX/XX/2020. They required I send in documents which I sent my ID, social security card, proof of address, and legal name change court document. I sent XXXX copies of these documents 2 times and they claimed they never recieved them in the mail. I called and they claimed I could fax the information so I faxed it 4 times and they claimed they only recieved XXXX copy. Finally they said I had to verify my account information and they unlocked my account which they never told me was locked, I was just unable to login. I finally am able to access my account and they aren't reporting my accurate legal name nor my credit accounts correctly. I've called over 20 times and most of the time I get a very rude customer support representative, who doesn't speak XXXX well, and will start using my old incorrect name when they learn I've had a legal name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: GFS II, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
There is an open car loan in my name from 2005. It is showing open with a balance of {$24000.00} and XXXX credit limit XXXX Payments XXXX Past due. I called this company Gateway Financial for 3 weeks requesting they fax me a letter stating I have no car loan an to please fix my credit through them. I have n't received no phone calls, every time I call I get the same response " the credit department is n't in today ''. I am at wits end on what else to do to rectify this issue with them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On or about XXXX/XXXX/16, I wrote a check to retailer, XXXX XXXX, which was denied by the retailer. I was told that I would have to contact Certegy directly which I did within a few days of the declined transaction. I was told that I could only be given limited to info over the phone and I had to disclose personal confidential info, e.g., banking info and driver 's license, to them if I wanted a written a response of why the check was declined for processing. I received a response about XXXX which stated the check was declined because " This transaction fell outside of the guidelines Certegy has established for authorization and the second time check was through the same date and time that authorization was declined because " Certegy did not authorize this transaction because our records indicated that the same check or payment had been submitted to us before, and authorization had been declined. '' See first reason check was declined. 

I spoke with a Certegy agent on XXXX for an explanation of why my check did not satisfy their " guidelines '' and was told that said info was proprietary and could not be disclosed. I responded then how would I be able to prevent the embarrassment from having another check declined for authorization if I have no info to cure the alleged defect that does not meet their guidelines. I was not given a responsive answer to this question.

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 2021-12-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The XXXX XXXX XXXX XXXX has granted me administrative rights to the Estate of XXXX XXXX XXXX, deceased, who is my older brother. 
XXXX XXXX XXXX passed away on XXXX 2020. Improper ATM withdrawals were made from XXXX XXXX XXXX 's Chase bank accounts on XXXX ( XXXX ) XXXX and XX/XX/2020, a total of XXXX transactions equaling {$6600.00}. The transactions were subsequently deemed improper by Chase Bank. 
I am respectfully requesting that Chase Bank positively identify the perpetrator of these illegal acts through video footage or by other means available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
To Whom it may concern, I am informing you of serious FCRA violations that have been conducted by Transunion in reference to my personal credit file. There were unauthorized inquiries made on my credit report. I formulated a dispute letter directed to Transunion outlining my concern for this matter. I requested an investigation into the unauthorized inquiries in which I never made. I asked for supporting documentation to solidify any legal reasoning for them to report these entries to my credit file, and if it no positive evidence materializes, remove the inquiries from my report. No investigation was ever conducted, as Transunion never responded to my request. The certified letter was delivered to : Transunion XXXX XXXX XXXX XXXX XXXX XXXX The certified mail was signed for by XXXX XXXX XXXX XX/XX/XXXX at XXXX a.m. with XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. As I am writing this complaint, today is XX/XX/XXXX, which is 7 days past the FCRA legal threshold that a credit reporting agency has to respond to a consumer dispute ; per FCRA the inquiries must be removed from my credit file. Transunion never responded nor did they remove the inquiries. My latest report from XX/XX/XXXX continually reflects the unauthorized inquiries. These are violations of the 15 U.S.C. 1681s-2 ( b ) -Obligations To Investigate, and FCRA S611 ( 15 U.S.C S1681I ) - Procedure In Case Of Disputed Accuracy. I have attached all supporting documents to this complaint.

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