BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The phone team again messed up my account. I called and tried to open a dispute XX/XX/2022. The representative was rude and opened the dispute for the wrong charge. I had a valid charge from my gym onelife fitness. However they overcharged me. It was supposed to charge {$39.00}. I told the rep this and was expecting a {$20.00} conditional credit, with the dispute paperwork being mailed to me to fill out. However today I see a {$5.00} conditional credit for dispute and the phone team wont speak to me the 2 times I called. The charge I am trying to dispute that the phone team admittedly has no idea how to remedy is below : " XXXX EFT '' on XX/XX/2022 from my checking account in the amount of {$59.00}. Please note it was supposed to be a {$39.00} charge. Please open the dispute and assign a supervisor I can converse with. I can not speak by phone and only in writing given the nature of my XXXX and the inability to find competent reps at your phone numbers provided with using assistance. There is this concern and also I never got the promo monies for opening the account initially I was promised. I saved these screen shots and emails from last year. Can I have the email to discuss this as well with a competent supervisor? Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello - I have a promotional APR on my account that expires on XX/XX/2019. However, I was still charged {$12.00} in interest for my last statement and I'm not sure why. Can I waive this interest and get an explanation on why I'm getting it so I can avoid it in the future? Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
About half of the U.S. population was impacted by the Equifax breach in 2017. Twice I 've contacted Equifax, and twice I 've been told my personal data MAY have been obtained by the hack as a result of this breach. That tells me nothing I did n't already know! 
I believe it is my consumer right to know for certain whether MY personal data was obtained by the hack. YES or NO?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Asset Recovery Inc
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Asset Recovery Inc ( XXXX Vermont ) has placed 6 ( at this time ) XXXX XXXX on my credit report. 
I can not see the account numbers for these collections to provide to you. 
They did not send a dunning letter for me to dispute the alleged debts. I was unaware they were attempting to collect any alleged debts.This is the 3rd time this company has done this in the last year. Any of my alleged medical debts are covered by XXXX XXXX XXXX ( Paid insurance ) Any remaining balance is covered by XXXX XXXX XXXX program thru XXXX  I have Spoken to my financial counsel at XXXX. They tell me the invoices were sent in error. This is the 2nd complaint I have made against Asset Recovery Inc this year. The 1st complaint took them 2 months to respond. They said they were removing the collection I complained about. They have not taken any action at this time.

This has a drastic impact on my credit score and ability to secure funding.

The collections they are reporting are inaccurate and untrue. This company is willing to report unverified, non valid accounts knowingly and not held accountable for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Lending Club Corp
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I recently discovered that my spouse had applied for a XXXX loan with Lending Club and had listed me as a XXXX without my knowledge or permission on XX/XX/XXXX. I was unaware of this until I noticed that my credit score had dropped dramatically and I found it on my credit report. I contacted Lending Club and spoke with XXXX on XX/XX/XXXX to question how I ended up on the loan. He told me that my spouse had listed me as a XXXX. The money was deposited into his individual account so I was unaware that the loan was taken out. I believe that I should not be held responsible for the loan since I was not given the opportunity to review the terms of the agreement, or the Truth in Lending Disclosure. Additionally there was a Consent to Electronic Transactions and Disclosures which I did not sign or to agree to. Lending Club made no attempt to send me these documents by email, through regular mail, or reach me by phone to verify my status as XXXX. If an electronic signature is used to obtain consent and finalize the loan, then the signatures on the required documents should be sent from the email from the person who is entering into the contract. Lending Club was negligent in creating one single electronic contract with both the XXXX and XXXX  XXXX 's names to which only the XXXX could access.. Lending Club did not make any reasonable attempt to verify that I wanted to be a XXXX and in fact did not even have my email until I called to ask to have my name removed from the loan on XX/XX/XXXX. It seems as if Lending Club has no safeguards in place to verify that the application is not fraudulent. If a loan is closed in person, photo id is requested. What did Lending Club do to verify the application? I believe that even though I am the spouse I still have the legal right to review my responsibilities as XXXX-XXXX. Lending Club operates under the impression that it is acceptable to assume that the XXXX is in agreement with the terms of the loan, even though his or her electronic signature arrives through the XXXX 's email. It is certainly not the norm for spouses to share an email.so this serves as evidence that Lending Club 's practices are very weak and risky. I am asking that my name be removed from this loan. Lending Club is free to take whatever legal action they deem appropriate against the XXXX who submitted the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I never consented to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and thaws free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today XXXX/XXXX/2018 at XXXX i was contacted by an individual who was asking for me. When questioned as to who they were and the company they represented, I was left with no answer, just asking if i was the person they were looking for. I stated that they are not to call back because I do not owe anyone any money. The individual said " thats ok we will just call back another time '' and hung up. 
When I attempted to call the number back on the caller ID " Portfolio Recovery '' the system message was that the number I had dialed was no longer in service. 

I have noted at least 2 major violations of the FDCPA just in that one phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
Approximately 3 years ago I was informed by the DMV of Florida that my address and driver 's license information was compromised. They could not give specific information but told me this was the case. Further details are that I applied for a HazMat endorsement on my license and was waiting about six months and never received it. I went to the DMV to  inquire why and they asked me was I still living in XXXX XXXX Florida at a street address that I do not remember. I told them I have never lived in XXXX XXXX Florida and asked them when and how was my address changed and they had no specific information just that my driver 's license had gone there. Since there was nothing I could do about it I forgot about it until a series of data breaches of my bank accounts occurred over the intervening years since. The first one that I recall is approximately around the time where this vehicle was allegedly late for the first time that I was made aware of. I used a third-party service to authorize automatic payments for this vehicle and they were not transferred to Santander Consumer USA because they had been diverted elsewhere. I was not aware of any problem until I received a written notice in the mail that I was to hand over the vehicle that I had bought through them. I told them of the issue and that I would catch the payments up and find out what had happened to the payments that I made through the third party service on my own time. They said that they understood and that it would not be a problem and they would not report me as late on these issues. Within approximately six weeks all of the payments have been caught up and I thought nothing of this issue until I saw my credit report recently. In regards to the recent supposed late payments I suffered an injury and could not work on the job that I had at that time. I called them and told them I would make partial payments until all of the balance was XXXX which is what I did. Yet again I was assured that it would not be a problem. Considering this agreement which I should have gotten in writing I do not think reporting all of these supposedly late payments is correct or Fair and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had private loans through Navient, which I recently consolidated through XXXX XXXX XXXX XXXX ( XXXX XXXX ). XXXX XXXX  uses Navient as their servicer, so I am still working with Navient who originally held the loans. XXXX XXXX submitted payment to Navient to payoff/consolidate my loans in XXXX of 2017, and my repayments to XXXX XXXX, serviced through Navient, began on XXXX/XXXX/17. The XXXX XXXX loan is ID XXXX. After my new payments began with XXXX XXXX I noticed that I still had balances on my loans originally held by Navient. Navient did not XXXX out my accounts and transfer the balances to XXXX XXXX. I notified Navient of this issue on or around XXXX XXXX, 2017. I was told that the XXXX remaining balances, account ID XXXX and account ID XXXX, which showed about {$300.00} remaining, would XXXX out in about a month. I was provided ample assurances that everything was fine. I waited. After the given deadline I reviewed my account and found that Navient did not resolve the issue. Once again, on or around XXXX XXXX, 2017, I called Navient and informed them of the issue. The representative I spoke with reviewed my account and said that the account will definitely be resolved by XXXX XXXX, 2017. I was told that it takes 90 days to completely XXXX out accounts, and the accounts would be resolved by this date. That date came and went, and I am still stuck with balances on my account that should have been consolidated with the rest of my loans. These loans are also accruing interest, so my balances are continuing to increase. Navient has repeatedly lied to me about my account status, while they profit from the accruing loan balance. On every call I have made they refuse to do anything to resolve my issues besides tell me to wait. I am tired of being lied to by this company. This is an unfair practice : it causes injury to me, the consumer ; I can not reasonably avoid the injury since Navient is holding the account and their representatives have not assisted me in resolving the issue ; and there is no countervailing benefit. Alternatively, this is a deceptive practice : Navient 's representatives purposefully mislead me by telling me that the accounts would be resolved within 90 days ; my interpretation is reasonable since they gave me specific deadlines as to when the accounts would be resolved, on two different occasions ; and this misrepresentation is material since I continue to accrue interest on these open accounts. Additionally, I continue to receive monthly bills for these two accounts despite the fact that I have no payment due and they are " going to be resolved ''. I have attached a copy of my monthly bills for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2022-02-07
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2022 I discovered XXXX XXXX had been re-inserted into my Equifax credit file. You are required to notify me within five ( XXXX ) days of re-inserting a previously deleted item. I did not receive any such notification. Equifax is in VIOLATION of Federal Law 15 U.S. Code 1681XXXX. My federally consumer rights has been violated. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations, if this account is not Deleted from my account IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I requested a Stop Payment in the amount of {$900.00} from XXXX XXXX. 
On XX/XX/XXXX, the payment of {$900.00} was deducted from my checking account. 
On XX/XX/XXXX, Chase Bank approved my request for the stop payment and was valid for 1-year. 
On XX/XX/XXXX, I contacted Chase letting them know I had a payment of {$900.00} payment deducted from my account. 
On XX/XX/XXXX, Chase reversed the payment and returned the funds back to my account. 
On XX/XX/XXXX, a payment of {$900.00} was deducted from my checking account. 
On XX/XX/XXXX, I contacted Chase again asking why a payment was deducted even if I had an approved Stop Payment. 
I have contacted Chase on several occasions to dispute the {$900.00} deducted from my account and on XX/XX/XXXX, Chase 's response to my repeated dispute was not approved and determined that the transaction was valid, thereby dishonoring my Stop Payment that was previously approved. These funds have not been reversed to my checking account. Arrangements were already made with another company in XX/XX/XXXX to pay off my debt with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This Collections Should be disputes for my credit report. 
This 3r party takes advantages about the situation, There are all Medical Bills Affect my credit score. 
Those bills already take care with my insurance Company. 
Please i need this disputed this Collection bill as soon as possible Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: GA
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:
Source : XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Activity : 60 days past due The continue to report the wrong balance on my report. They also continue to report it as if I have not made payment. It continues to increase in date. 

This information below is the actual amount owed on this account. 
Recent Account Activity Date Type Details Status XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
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:
Per letter dated XXXX XXXX, 2017 I requested that they Validate this with the Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. I formally requested that this information be immediately be deleted from my credit file that they maintain under my social security number if they can not provide this information. They have not provided this information or any other information bearing my signature as to the verification of there process. Per the Fair Creditreporting Act Section 611 ( a ) ( 1 ) ( A ) they had 30 days to provide the information which they have failed to do. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ) they are required by  federallaw to verify - through physical verification of the original signed consumer contract and/or judgement ( s )  - all accounts and public information that they post on anyone 's credit report. I am requesting that this Bankruptcy be DELETED NOW. They have failed to respond in a satisfactory manner within the 30 days of receipt of the certified letter and as a result I will be filling a small claims actionagainst XXXX Credit Reporting Agency. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation : 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

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 2017-07-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau Experian identification number XXXX and XXXX and XXXX reference # XXXX has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit 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 explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions 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:
XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them If I got This letter XXXX card said they will delete this tradeline as stated on the recording I have also further more I never contact XXXX card for a dispute about XXXX they are violating fcra law which is punishable by {$1000.00} Each violation

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 2019-10-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
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:
XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them If I got This letter XXXX card said they will delete this tradeline as stated on the recording I have also further more I never contact XXXX card for a dispute about XXXX they are violating fcra law which is punishable by {$1000.00} Each violation

Company response to consumer: Closed with non-monetary relief