BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-17
Company: Lending Club Corp
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband passed away in XX/XX/XXXX.  I contacted his bank to ask for a printout of the last 3 months in order to contact any accounts he had.  I contacted Lending Club and they stated it was a joint account because I had signed for the loan.  I absolutely did not.  I had no knowledge this loan existed and would not have agreed to take out a loan from them.  They sent my denial through the their fraud department.  Their decision was that it was a joint account, therefore, I owed the debt.  I asked for a copy of my signature but was told it was done by checking a box electronically.  I asked for date and time signed and IP address of computer used.  I was told all of that would be sent to me.  Nothing was ever sent.  I never received an email, phone call, package of information in the mail, or anything to let me know a loan was taken out in my name.  I was unaware the loan existed until my husband passed away.  I never speak to the same person at Lending Club.  Each person I speak to assures me the information requested will be sent.  At one point, I was told the information could only be sent to an attorney so I gave them the name and number of my attorney-still nothing.  I sent a letter to the Lending Club corporation but did not receive a response.  I was told they would re-investigate my claim and someone would call to talk with me.  Instead, they placed the loan in a charged off file and it is destroying my credit.  I filed a dispute with the 3 credit reporting agencies.  XXXX has deleted Lending Club from my file.  XXXX   and XXXX have not as of yet.  If my name was used, it was used without my permission or knowledge.  I didn't keep a list of all dates and times but here are a few:  XX/XX/XXXX spoke with XXXX.  He did tell me the loan began XX/XX/XXXX.  I asked for the time and IP address and he said it would be sent to me.  He forwarded me to someone else.  I left a message but received no call back.  XX/XX/XXXX spoke with XXXX.  He said it was being investigated and someone would call to ask me questions.  XX/XX/XXXX spoke with XXXX.  She said the account was determined to be mine.  I asked how that was possible since they were supposedly investigating and someone was supposed to talk with me.  She said she must have made a mistake and someone would call me.  XX/XX/XXXX spokje with XXXX.  she said someone would call me.  Later in the month, the fraud specialist called to tell me I was responsible because it was a joint account.  My attorney is XXXX XXXX, XXXX.  Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Incorrect personal information

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 2019-08-17
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My ex-wife took my daughter to the eye doctor.  The eye doctor charged an exorbitant amount for a check up.  I paid the collection agency a reasonable amount and per TN law they have been paid in full as they negotiated the check. They are in violation of the law by reporting bogus information to the credit bureau in an attempt to make me pay an amount I do not owe and never owed.  My ex-wife took my daughter to the eye doctor not me.  I never agreed to pay any amount prior to my check dated XX/XX/XXXX for a charge from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2019, I went to use my Kohl's credit card at the store but it was declined.  Then my mom went to use hers to pay for the purchase. Hers was also declined.   A manager came over and stated the store declined it when we tried to use it in her presence.  I had to use another card to make the purchase but was entirely mortified by the fact my card was denied.  While I made the purchase with another card,  I was told I had to call Kohl's to address the issue.  When I  spoke with Kohl's oon the phone,  they said the computer automatically closed my account for inactivity.  When I questioned who authorized it,  I was told it was done automatically and no authorization was given.  I questioned why I was not notified and was told they me they don't notify anyone when they cancel the account. So obviously their policy is to close accounts and embarrass customers at the time of purchase by telling them in front of customers that their cards are declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
No action taken besides my account closed. I added money into the account and my account was still closed and still in the negative

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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 the Fair Credit Reporting acXXXX 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 Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer report agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Omega RMS, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed uo with XXXX & XXXX XXXX for some online real estate training and agreed to month to month payment for the training. After many months I found the training to be out of date and repetitive, with the same thing over and over again. I called and cancelled but they will not accept a cancellation, so I quit paying the monthly fees. At that I went on line to see the reviews of the company and found many people were experiencing the sale complaint at XXXX XXXX XXXX, XXXX and XXXXXXXX. Now this Collection company is an 18 % per month charge to what was a stated charge after I cancelled of {$940.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
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:
XXXX a creditor has failed to correct inaccurate information in the remarks on the Transunion and XXXX credit report. It has been a merry go round with letters stating on XXXX behalf that this would be corrected and it has not been done so with no end in sight. The fraudulent information reported by creditor is that account was closed at consumer request which is absolutely not true because the file has ok from XX/XX/XXXX thru XX/XX/XXXX paid as agreed with no closed mark in any month so therefore information they continue to inaccuratly has done harm to my credit and I have legal right to clear the error. They reported my account open and closed for 6 months last year playing games with my credit. This is turning into serious legal issue. If it is not corrected I will be seeking legal counsel.

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 2021-07-19
Company: Advanced Resolution Services Inc.
State: MD
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:
ARS is verifying an incorrect inaccurate Bankruptcy on my report and is refusing to correct the inaccurate reporting or send me a report under the FCRA i am entitled to fair reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I searched my XXXX  credit reports and found. that the CRA XXXX  XXXX just refuses to follow guidelines of FDCPA and the FCRA and perform a proper and complete investigation of my account # XXXX with Bank Of America.. First of all, the acct # XXXX ... 
should never have been closed & charged off and I will show the illegal reporting down below : 1. ) XXXX reports ( 3 ) three different amounts as the amount owed to Bank of America!! That is impossible and the reporting of this acct # XXXX needs to be Deleted immediately!!! It's impossible to owe '' B of A '' an amount of {$1000.00} when the max credit limit on the credit card was {$500.00}!! This acct # XXXX ... needs to be Deleted because of this inaccurate unverifiable reporting! XXXX  & '' BofA '' also list a third amount of {$490.00} as the figure owed to " BofA '' This amount is inaccurate also!! These are all violations of the FDCPA and the FCRA and the whole account # XXXX ... should be Deleted immediately!! 
2. ) Additionally, XXXX  and " B of. A '' also illegally reports a " '' past due '' amount on my credit report regarding this chargedoff collection acct # XXXX..That 's also a violation of the FDCPA and the FCRA because it exponentially & unfairly harms my credit even more!!! This acct. # XXXX ... should be Deleted immediately!! 
3. ) Additionally Transunion and Bank of America disrespects the FDCPA & FCRA even further by not properly investigating and properly categorizing their findings as prescribed by law!! The term of " NOT SPECIFIED '' being placed on my credit report is flagrant disrespect and wreckless disregard for the FDCPA & FCRA and an insult!!! The law is clear & Both parties refuse to tell the truth and Delete this account # XXXX. Please help me with these huge bullies!! 
They don't even bother to render an official opinion of the facts regarding my Acct # XXXX as demanded by law!! They both should be punished!. I have disputed these reporting issues with them both for over ( 2 ) two years and they have ignored me as if they think they are above the LAW!!! PLEASE HELP ME..

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 2021-08-10
Company: Marlette Funding, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have recently requested that information my credit report be removed to the fact that when I settle with my closed accounts I was promised the removal of closed accounts if I settled with second party agency that house my debts This information was false or misleading and is a direct violation of the consumer law I have stated this many of times and have been ignored repeatedly I just want these closed accounts remove off my credit report immediately from all three bureaus 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had a Citi Card since 1999. I used to get a statement credit based on the amount of money I spent. Over the years, this card became by secondary credit card and was seldom used. About a year ago, I decided it would be safer to use a credit card instead of a debit card, and my Citi Card was put back into frequent use. At this same time I asked for and was approved for a larger line of credit to cover my monthly needs. A new card was issued and I began using the new card. When this card was issued it was a Diamond Platinum, instead of my Platinum Select. Two things happened with this name change. First, my existing balance credit of approximately {$3400.00} went away. Second, my rewards for use of the cards were no longer balance credits and were instead coupons for deals on magazines or clothing. For about a year now I have been charging between {$10000.00} and {$30000.00} a month, always paid off monthly. My believe was I was stacking up reward points only to find out that this unsolicited change of reward programs only gave me a coupon for a purse. I want to know who approved this change of programs, where is my previous statement credit, and what benefit I have for the over {$200000.00} of purchases I have. The customer service manager told me I had no recourse and she respects my decision not to use Citi Card.

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 2022-04-26
Company: CCS Financial Services, 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: Account information incorrect

Complaint:
Credit Collection Services is showing on my credit stating I owe progressive {$600.00} but I paid that to XXXX. I have a receipt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried repeatedly although unsuccessful to remove multiple inquiries from my credit report with all 3 credit bureaus multiple inquiries in a certain timeframe should only count as 1 inquiry. Each bureau refuses to remove the inquiries from my report which is affecting my credit worthiness.

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 2021-03-27
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Synchrony Bank, who handles Paypal Credit, has over the past 4-6 months been taken to the XXXX  concerning errors in billing in statement. They have continued to make corrections but this has gone on for too long. They automatically get a payment from my checking account each month however this month they did not. When I went to check the website to make sure the auto payment had been taken, they had flagged an alert letting me know " I '' had not made a payment on XXXX XXXX. I called on XX/XX/2021 and addressed it. The interest fee and late fee along with payment is not my error but theirs. Why? They do auto pay for 12 months on purchase made at ebay. At the current time there are other disputed charges. I have kept documents concerning charges and they have yet to fully resolve all disputes. I had told them I would continue to escalate this matter if necessary. After them not having did the auto pay for XXXX, I am now questioning their integrity as a Financial Institute in serving the public. The Small Claims Court encourages complaints to be made to the Business and at this time I am now taking the complaint to 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 explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I signed up for the " free '' account with Experian and then tried to cancel. You can't cancel online, I got disconnected by phone, so I emailed them on XXXX XXXX, XXXX asking for full cancellation. I am being charged $ XXXX for a service I don't want and didn't ask for. 

I tried calling again tonight, XXXX XXXX, XXXX, and after taking my social security number and birthday, they said they couldn't see the charge on their end and needed my credit card information, which I didn't want to give. I called my credit card company and filed a dispute today, but they said they couldn't end the monthly charges. So I called Experian again, went through the phone tree, and the message was " you have a free account, goodbye. ''

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 2019-06-19
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinance from Flagstar bank through XXXX  XXXX. XXXX XXXX and XXXX XXXX told us that we had refund coming back in amount of {$1300.00} and some. All we received from them was around like {$190.00} Our understanding was this was for interest credit they refused to pay us our money back. say something and was back from XXXX or XXXX we dont understand what it is and we feel that we have been missed informed we just did our closing agreement that we will get {$1300.00} and some back and we dont understand or agree that we deserve the customer service that we received. All of this is from our escrow account

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 2022-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Above company has reported a debt collection amount of {$840.00} to experian and other credit companies which has reduced my 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 2021-03-02
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over XXXX days and I havent received any investigation results.

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 2020-12-08
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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:
XXXX, Transunion, and XXXX failed to comply with thirty day notice. Reporting inaccurate information on 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 explanation
Consumer complaint received 2021-04-29
Company: Drew Eckl & Farnham, LLP
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  XXXX XXXX has threatened to sue me for a HELOC loan. I have been making payments on the HELOC every month. The Attorney that the XXXX used submitted incorrect financial amounts to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation