BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: Lending Club Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The company is purposefully practicing illegally in order to charge as many extra payments as possible. 
I reached out in the fall of XXXX bc I was having trouble making payments. 
The rep told me I could go on a payment plan, NOT to make a payment now, that the past due amount would be tacked onto the end of my loan ( I have the screenshots ). 
This didn't happen. A few months later, my account was marked as late, every month as I continued to pay, and I was told that the payment in the fall was late. I showed another rep the screenshot proving that I had been told not to make a payment, and he refused to help me. 
I made a payment on XX/XX/XXXX, the payments are due on the XXXX. Now I am being told my XXXX payment is late. The rep confirmed this was a mistake. but he didn't know how to fix it, no one could call me back, and I " better make time to call in. '' So they repeatedly make mistakes they refuse to fix, but I have to spend my worktime and money calling ( I am in another country, its min {$50.00} each call ). SO if they insist on this, they will have to credit my account for each call. This XXXX, they know how to use email. In fact ALL of the XXXX banks I do business with have managers that email me, XXXX, XXXX. So really this is an excuse. 

Also, when I reached out a few weeks ago, I was told I'd get a call back. The call back never came, nor did an email. But it just so happens that now Im out of the grace period. Which seems like the company does this on purpose. : Contact us if you are having problems but we will waste your time leaving you waiting to make sure you accrue late fees. '' The rep I spoke with today accidentally told me the last rep marked in the notes while we were talking that no one would call me, but you can see on my messages he told me they would. I have all of this in screenshots. 
Also when I called in before the loan was late, the rep wouldn't talk to me about the upcoming payment. He kept going back to the late payment in XXXX or XXXX XXXX it wasnt really late BTW and all of the sudden they fixed it and decided a new month is late ). But the point is, he used the error the company made as a way to change the conversation and refuse to help me. This company is breaking the law. 

Lastly, I signed up for a Covid relief program through Lending Club, there was no mention of this extending the life of my loan for a year. And now, mysteriously, my loan is a year longer, and one can explain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: EQUIFAX, INC.
State: MI
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:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have attempted on numerous occasions to speak with an ALLY ( formerly GMAC account ) representative to provide me current and accurate information regarding the status of my lease account. An Abstract of Judgment was filed and recorded against me on XXXX, XXXX. Since then, the debt was discharged and a XXXX was issued to me. When contacting ALLY ( XXXX - Acct. # XXXX ), they have informed me that there is nothing else needed from me and the current balance on aforementioned account is XXXX. I requested this information to be updated accordingly as I am in the middle of a refinance to reduce the interest rate on my VA loan. Because they did not provide this information, I was denied credit and will continue to pay the higher interest rate until this information is updated. Once updated, I will attempt again to refinance but will be forced to pay at a higher interest rate until this is resolved. 

I called on the following days : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each call lasted well over half an hour and all with similar empty promises made by supervisors and ALLY representatives. The first time I called, they agreed to email a document that reflected the current status of my account. That never happened. 2nd time I called, they acknowledged the fact that they agreed to email me a document but were unable to do so and would instead overnight me a statement of account. That never happened. I called a third time and they stated that someone from " upper management '' would contact me ( they only made this offer after I informed them my next call would be to the CFPB ). The call never came. 

My goal is to attempt another refinance, while interest rates remain low, so I would appreciate a response from ALLY as soon as possible ; especially given the fact that they have already agreed to this in 3 recorded and monitored phone calls. 

As a Veteran, I have become accustomed to a higher standard of service and am extremely disappointed in how ALLY treats their customers and all their empty promises. Thank you in advance for any assistance you can provide.

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 2021-01-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
Hello, Thanks for considering my issues that I have about my credit report. I had a car lease from XXXX from XX/XX/XXXX and the maturity date was on XX/XX/XXXX. I did extend up to three month until XX/XX/XXXX. But right then I flew out of the country on XXXX XXXX to attend my Father as he was admitted in XXXX. He passed away on XXXX XXXX. I couldn't return back right after as the lockdown implemented and flights were cancelled indefinitely. I booked a special flight on end of XXXX and retuned the car on XXXX XX/XX/XXXX. I wasn't paid at my time of absence while I was out and did pay two months lease and missed few month payment since I couldn't afford anymore. 

While returning, I paid the remaining fee and disposition fee. The vehicle was not drive from the day I was out and I did cancel my insurance for that time period. 

I have all the proof of my departure and arrival back into the country and my father 's death certificate as well as stamps in my passport. 

But I've accumulated four late payment marks in my credit report and the credit score dropped significantly. Just because of that, I couldn't lease a car from the same manufacturer or anywhere else. I have also problem in leasing an apartment or anything else that related to credit check. Looks there is no more hope for me in moving forward. 

Had there was no pandemic or lockdown my situation would be normal like anytime before and I would have been in a different comfortable situation. Things were not in my hands and it just happened likewise for everybody else. 

I kindly request you to consider my situation and look into this matter for a positive outcome. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
They are in violation of my rights i never gave them permission to release any of my information thats fraud. Second time I have disputed this item on my credit It came off the other XXXX but comes back on XXXX thats still inaccurate. All three have to do the same if it comes off XXXX it has to come off all thats the law and I been to court witch the court of law dismissed this case so that means this should have never made it to a collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$7800.00}

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 2023-01-27
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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
This card was payed off at the end of XX/XX/XXXX and someone started making purchase s in XX/XX/XXXX that I wasn't aware of and then they defaulted on it in XX/XX/XXXX.i wasn't aware of these fradulent charges untill recently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: NC
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 other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX XXXX XXXX XXXX erroneously paid, through their online bill pay account, the Bank of America {$700.00} for a payment that should have gone to XXXX XXXX. When I found out I files a payment dispute with both banks. XXXX said that they couldnt do anything about it. Bank of America told me that they could put the money back into my checking account from which it came in 7 to 10 days. This was on XXXX XXXX. After 5 or 6 calls to Bank of America they told me that it was in process. The last cal they insisted that they gave the money back to the payment service used by XXXX on XXXX XXXX XXXX I called the payment service on XX/XX/2023 and they said that no such payment was ever received and that they had unsuccessfully tried to recover the money from Bank of America when the original payment dispute was files. I have called Bank of America numerous times and they just keep cutting me off.

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 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
On XX/XX/2020, I disputed an fdcpa violation on my credit report and TransUnion has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

This account is ruining my reputation and it is also defamation of my character.

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 2020-05-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2020 applied for a Care Credit card on line as advised by my XXXX XXXX office in the amount of {$5000.00}. XXXX. I filled in my name, address, phone numbers, last four social numbers and date of birth and net income for the month. At this point, I was denied. No reason given ; told I would get a letter in the mail from the bank explaining ( Synchrony Bank in XXXX, Fl ). Same day in the afternoon, I phoned in my application and gave same information and denied as it was a duplicate application. XX/XX/2020 discussed with employee of XXXX XXXX who said she would call the Care Credit company to find out what is going on. XX/XX/2020, heard back from employee of XXXX XXXX and told problem occurred as no information re/net income and told to call Care Credit to fix. I called the same day, gave information to woman at Care Credit but I was denied again. Told Ill get a letter in the mail from the bank. XX/XX/2020 received letter from Synchrony Bank indicating the most significant reason the application was declined listed below : ratio of current obligations to income provided. The bank claims they received information from XXXX XXXX but XXXX XXXX played no part in their ( bank ) decision and unable to supply reason why credit denied. I had applied for the amount of {$5000.00} to pay for dental implant issue that is definitely needed. I am quite capable to repay the loan amount ; I never got to where I would complete financial information ... ..income vs expenses. Care Credit not only deceived me but the representative of the XXXX XXXX office. I truly feel this an age discrimination issue.

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 2019-03-11
Company: EQUIFAX, INC.
State: AZ
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:
The following delinquent account listed on my XXXX, Equifax and XXXX XXXX credit report is fraudulent, unauthorized and not mine : XXXX/XXXX  XXXX for {$360.00}. The account is fraudulent and dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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: Their investigation did not fix an error on your report

Complaint:
I have made 2 disputes to TransUnion regarding a collection account from an unknown debt collector and creditor. While disputing this account online with them my credit went up then when down again, twice. They have told me that this account has been verified but I have never received any notice or validation letter from this collector, I simply do not know who this company is or what they are trying to collect money from me. I have placed a complaint with the XXXX  and I'm currently waiting to hear from 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
Consumer complaint received 2017-09-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX To whom it may concern : " XXXX XXXX XXXX helped me with fund-raising campaign to gather funds for my medical expenses. Upon completion of the fund-raising round, a check for {$4800.00} was sent to me. 
The custodian for the funds raised was supposed to be XXXX XXXX. Given that I am an ultimate beneficiary of the funds raised, by error, the check was written to my name instead of XXXX XXXX. 
On XXXX XXXX, XXXX, I and XXXX XXXX went into the XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, OH, XXXX ) of JP Morgan Chase bank to deposit the check. This branch happens to be the branch, where my account was opened and I conduct banking. Having presented the situation to the branch associates, we got a go ahead to " double endorse '' the check in question and to have it deposited to XXXX XXXX 's account in JP Morgan Chase. We proceeded and deposited the check right there and then. The check got successfully cleared on XXXX XXXX, XXXX. However, afterwards, the Chase Bank put account under the review, subsequently froze the account and eventually closed it about a week later. 
Upon account closure, XXXX XXXX received a " closure correspondence '' from the Chase Bank, refunding him all the money contained in the account short of the amount of " my check '' deposited on XXXX XXXX, XXXX. 
Ever since, multiple attempts have been made by phone to the " back office '' and in person at the local branch to try to receive the funds or at least to find out the whereabouts of it. Over the past 7 weeks, various demands have been made by the bank as necessary conditions for funds release and all have been satisfied. Each time demands were met, we were about to learn that what was done was not so crucial or critical, and there was yet another demand we were not told about, that we were supposed to fulfill. 
I, XXXX XXXX, different officers from the charity " XXXX '' diligently tried and succeeded meeting and exceeding every request and demand placed upon us. Yet, after 7 weeks of efforts and attempts, the Bank still retains the funds, refusing to release it or to reverse original transaction and declines to provide any formal response as to what happened to the funds, its location, the reason for retaining it and timeline for its release. 
It appears to be a plain larceny on the part of the bank and has been causing tremendous waste of time and resources on behalf of multiple parties as well as delay in vital medical care to which end the funds have been raised. 
I implore the Office of Comptroller of the Currency to look into the matter and bring the speedy resolution of the issue, granting us the access to the much needed funds. 

Thank you! 

Sincerely, XXXX

Company response to consumer: Closed with explanation