BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-30
Company: Lending Club Corp
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company offered us a loan and the payment practices were not made clear. The issues : If you do not opt for automatic payments, and decide to pay by check, they charge a {$7.00} check processing fee which is deducted from your payment. Checks issued can take up to a week to process when received. This will add up in interest charges. 2. They will ONLY accept the monthly payment ON the due date, otherwise, they process it as principal payment and you are still required to make the regular scheduled payment. 3.  Calling in a payment on the due date, is not same day processing, it will process on the following business day. Calling 2 days ( Thursday ) before your due date when falls on a Saturday, will not process until the following business day.. more interest. 4. The information provided in the loan documents and the web site, is not clear with their payment practices. In a nutshell, they dont allow monthly payments to be made early, dont allow multiple payments which add up to the monthly payment. Their current payment practices costs the loan recipient more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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 Fair Credit Reporting Act, XXXX  Account XXXXXXXX XXXX XXXXXXXX XXXX account number # XXXX ( {$1500.00} ), 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 ) 2 : 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 explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE 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 information incorrect

Complaint:
I wrote letters to XXXX, TransUnion, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of an original signed contract that the attached accounts belong to me. I also requested a detailed payment history for each account to prove the reporting amount owed is also correct. I have not received any validating documents which is a violation of the FCRA.

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 2018-09-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I received a call from an unknown number which left me a voicemail to call XXXX if not they were going to submit to the court for a lawsuit and arrest me. I took this loan out in XX/XX/XXXX I believe but they said am being charged with fraud and other things I couldnt get the name of the company but they said their on behalf of XXXX XXXX. They were going to call my employer to look for me. I have not received any other calls from XXXX ever! The loan was for XXXX and now I have to pay XXXX. I spoke to them and they gave me a wrong birthday year and had an old address. I had to make payment arrangements because I can not afford to go to jail. I have 4 kids to care for and am the bread winner. I panicked when I head the voicemail and called them. They said to give them my social and a debit card for them to put on file. I dont know if its fraud be they proposed for me to pay XX/XX/XXXX the amount of XXXX and then on XX/XX/XXXX or so give XXXX. I really dont know what to do. After we had the agreement I started to think its a fraud. My uncle told me to file a complaint with cfpb. Am scared that I cancelled my card because a lot of things seemed wrong this loan isnt even on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: GA
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 own a credit repair company, I have used my own software to submit disputes on behalf of my clients as well as myself and the same results happened for this complaint I am filing for myself. Depending on the results I will file for my client as well. 

The disputes were submitted XX/XX/2023, and on XX/XX/2023 I received a response from Experian stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. '' I submitted a letter stating that it was in fact me and that they need to comply with the investigation under the FCRA and that they were in violation on XX/XX/XXXX. On XX/XX/XXXX I received the same above email. 

I am just now getting the free time to write this complaint as of XX/XX/2023 they still have not complied.

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 2021-12-07
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
PayPal issued a purchased to be done through a loan they call Pay in 4. I was never notified on the matter. I could have made the payment in full and thought it was going through PayPal Credit but instead they did it through their own loan payment process. I was not notified of this. I was not notified of any payments needing to be made. There was no way to view it or see that I owe anything on their website. I have automatic payments set up through my PayPal account but they don't link them to it or anything so there was now way I could make a Payment or even know I owed anything They sent my information to a debt collections agency. When I called PayPal about it they had no idea about it. They couldn't even tell me where to view the transaction. They couldn't tell me where to view the balance. They couldn't tell me where to go to make payments. They weren't even sure which department to talk to. They even suggested I talk too the collections agency who they sent my personal information to ( without my authorization ) and talk to them about PayPal Processes. They had added fees to this without warning. They are saying that this will also be reported too the credit agencies. There was no authorization of this, no message from them or indication on the website about needing to make payments, and no help from PayPal to resolve this issue. This feels like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm urging the bureau to start a review of these documents, as they inaccurately show late payments on accounts that I have consistently paid on time.

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have navy federal credit union and my direct deposit is not yet available as it should be. I tried calling them and was hung up on after being on hold for about an hour. They have not disclosed any info on their website as to why they are having issues. I need my funds to be available so I can pay my bills today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: NJ
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX, XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: LAND HOME FINANCIAL SERVICES
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/XXXX we started looking for a new house. We found a model and an area that we wanted. 
We put money down, did paperwork, and everything else that 's required to get a home loan. 
The rest of the nightmare is listed in the attached Buying house.txt file along with XXXX other PDF files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I bought a vase, it arrived late, by the time I received it, I no longer wanted it. I sent the vase back to the merchant, the merchant accepted the return. 

The date I received the item was XX/XX/2023 Capital one did not know the date of receipt and rejected the complaint, I told them the date of receipt, and they agreed to open the claim. 

XXXX. This was the only information that was requested. 

In a letter dated XX/XX/2023, Capital one requested additional information, I responded on XX/XX/2023. 

Capital One closed the case as I did not respond in a timely matter. 

Capital One says to allow 7 to 10 business days to receive communication, which means I could have received it by XX/XX/2023 Capital one said I have 21 days to respond, but I did respond according to their timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXXXXXX XXXX on my 3 credit bureaus is a account i did not authorized and there reporting damaging inaccurate information on my credit report i reached out numerous of times but get ignored Last reported Date Last active Past due Date of last payment Date opened All inaccurate information i did not give written permission. 

XXXX Transuion 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 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good Morning : During COVID-19 I informed Capital One of not being able to make payment for couple of month since the whole country/world was on hold. 

XX/XX/21 and XX/XX/21 I had an hardship advised the creditor of same. Even though I have been their client for over XXXX month, they still saw the need to report my payment late. I was under impression that there was a CARES Act and since I am in NY there were other executive laws signed into law to postpone reporting or payments. 

I immediately paid such accounts and brought them up to date, and have not been late ever since. I am very hard working XXXX XXXX and at the time has been bombarded with work and not being able to function as a normal person. 

I pleaded with the company to use the law and their common curtesy to remove the XXXX late payments ever on my credit so I can achieve my American Dream by purchasing a home for myself and my kids. This late payments during COVID time has caused to raise the interest on the Mortgage I am able to receive. 

I would like them to immediately report my account in good standing. Furthermore they can issue a letter mentioning my accounts were never late, and I can have the credit companies update same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started my refinance in XX/XX/XXXX. Chase said I was approved mid XXXX. The underwriters continue to request information, i.e. recent pay stubs. I have promptly given them EVERYTHING needed for this refinance. I have a great credit too. They have my current mortgage. By not closing on the loan, I am losing {$120.00} a month because my new rate is 2.65 % down from 3.75 %. I sent paystubs ( again ) a few days ago. Today, I am being asked why my income this time last year was more than this year. Seriously? I find Chase 's delay unfair, deceptive, and unneccesary. To me it seems, Chase is stalling me and just waiting for me to give in and not refinance so they can keep {$500.00} commitment payment and not give me the rate I was offered. I emailed Chase morgage lending executives and my service person 's boss on XX/XX/XXXX. No response. I spoke to the person who started the loan process and asked him for assistance also on XX/XX/XXXX. Nothing has changed. Chase underwriters continue to ask me for more documentationo. Do they have a legal obligation to close within a specific timeframe? I am at my wits end. And, I need guidance. Please assist. Thanks. Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 XXXX XXXXe Account # XXXX, 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Regarding : report number XXXX I am a victim of identity theft. I am/have formally disputed an account ( s ) that I have learned has been made, opened or applied for without my consent and your company is now reporting such inaccurate information. 
I did not make this transaction or open or apply for this account and have not authorized anyone else to do so for me. In my original dispute date XX/XX/XXXX, I asked your company to investigate AND furnish me with your findings. I asked that the account be removed if you found no legal proof the account belonged to me and if the account did belong to me, I asked that your company furnish me with the full name and contact for the person who verified the account as accurate as well as a copy the agreement with obtained my legal wet signature showing that I authorized the account ( s ). 
Your company has done neither! Your company has provided me with NO proof your investigation! In fact, your company responded to my request by sending a computerized response to my OLD address, an address I have clearly giving your proof I no longer resided at, during my first dispute on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Bait and switch. This is a 3rd party loan to pay for a service. The dealer was told Service Finance offers 18 month interest free loan with a mimimum monthly payment. They approved 14 months but will not tell me why I did not qualify for the 18 month term as advertised. My XXXX  score as of XXXX is XXXX " Nearly perfect '' and my debt to income ratio is approximately 2 %. They refuse to explain to me their decision and placed blame on the dealer who simply helped me fill out the loan application so they can be paid in full while I pay Service Finance as a 3rd party.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company continues to report inaccurate information on my credit report that has brought bad things to my life and ruin my credit. Then when i dispute it and ask for verication or validation on the account i still get kno where with it so this has to stop now.

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 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.

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