BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: Lending Club Corp
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
1. In XX/XX/XXXX, I took out Loan Number One for {$23000.00} from Lending Club. 

2. In XX/XX/XXXX, I applied and received approval for Loan Number Two for {$14000.00}. It was my intention to use those funds to payoff Loan Number One because Loan Number Two had a better interest rate and a shorter term. 

3. On XX/XX/XXXX, I received a direct deposit from Lending Club for Loan Number Two in the amount of {$13000.00} which represented the {$14000.00} loan minus a {$840.00} origination fee. 

4. I logged into my Lending Club account to apply the {$13000.00} deposit from Loan Number Two to Loan Number One but the online portal would not accept payment due to what a Lending Club representative later told me was a " glitch in the system. '' 5. On XX/XX/XXXX or XXXX, XXXX I called Lending Club and told the representative the online payment portal would not accept my payment. I asked him if he could tell me the payoff for Loan Number One, and he informed me the payoff was {$14000.00}. I authorized him to withdraw {$14000.00} from my bank account on file with Lending Club to pay off Loan Number One.

6. The Lending Club representative applied the {$14000.00} to Loan Number Two, not Loan Number One as I had authorized. 

7. When I discovered the Lending Club representative 's error a day or XXXXwo later ( after logging into my Lending Club Portal ), I called Lending Club. They researched my call with that representative to verify their representative made a mistake. After doing so and finding their representative made a mistake, they said it would take 5 - 7 business days to get a refund to me. 

8. On XX/XX/XXXX, I received a {$160.00} refund from Lending Club. I should have received a refund for the entire origination fee of {$840.00}. 

9. On XX/XX/XXXX, I contacted Lending Club to inform them that I did not receive a full refund for my {$840.00} origination fee for Loan Number Two. They informed me that I received {$160.00}, and that was my refund. 

10. I believe I am entitled to a refund of my entire origination fee of {$840.00} because their representative made a mistake and took money from my linked account and applied it to the Loan Number Two without my authorization. Therefore, I did not get to use the funds for Loan Number Two for the purpose intended because Lending Club 's representative made a mistake. I should not have to pay an origination fee for their representative 's error of applying the funds to the wrong account and be out {$680.00} ( {$840.00} minus their {$160.00} refund ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX, XXXX XXXX, by way of Attorney XXXX XXXX, filed a lawsuit against me. My address on the complaint was listed correctly in XXXX IN. 
On XX/XX/XXXX, after sitting inactive for several months, the court on its own petition filed for a Trial Rule XXXX XXXX hearing for failure to prosecute. 
On XX/XX/XXXXXXXX XXXX XXXX  by way of Attorney XXXX XXXX, refiled the case. 
On XX/XX/XXXX, XXXX XXXX, by way of Attorney XXXX XXXX, filed to a Motion to Vacate the Trial Rule XXXX XXXX hearing stating the had located a new address as just cause for not prosecuting the case. 
The refile on XX/XX/XXXX and the Motion to Vacate the hearing had the exact same address as the original filing on XX/XX/XXXX. There was never a new address by their own admission on their filings. The Attorney perjured herself on the court affidavits saying that there was. This is not a victimless crime. I am the victim here of an Attorney that has alright lied. 
After this letter to you, I will be filing complaints with the Indiana XXXX XXXX, the Indiana XXXX   XXXX XXXX, and the Consumer Credit Bureau for perjury and violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Phoenix Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After auditing my credit reports, I discovered that Phoenix Financial Services is reporting an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I am not liable for a debt with XXXX XXXX  XXXX, never done any business with Phoenix Financial Services, let alone have a contract with them. After seeing this account on my report, I sent them a letter asking that they validate this alleged debt and send me the original application, however, they've ignored my rletter I demand that they close and delete this account from my credit reports. 

Account : XXXX Amount : {$260.00} " open date '' reporting : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: GA
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:
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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

This consumer reporting agency is reporting this US Department of education/XXXX  account on my credit report as paid of -40 %

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 2019-07-23
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:
Hi, I'm relocating to XXXX XXXX and looking to purchase in a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw a XXXX XXXX XXXX on my credit that is not mine. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. This item needs to 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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

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 reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c, ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-09
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: Information belongs to someone else

Complaint:
NISSAN MOTOR ACCEPTANC Inquired on XX/XX/2020 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I 've had an account with Coinbase for many years. I have been fully verified for a long time with an account withdraw limit of {$100000.00} per week. Suddenly, on XXXX XXXX, I was no longer able to transfer from my cash balance to my bank. Specifically the error message says " Before you are able to complete this withdraw, you must provide additional information ''. Coinbase already has my passport, DL, SS, address, phone number, linked bank account, etc. and my account is fully verified. I tried reloading my Passport and then my DL. Even though I 'm fully verified, Coinbase 's automated system is requiring additional information, yet rejecting all the additional information I submit. I 've written daily since XXXX XXXX and somehow managed to get 2 different case numbers ( XXXX & XXXX ). Despite my 12 messages directly to Coinbase 's customer support, I 've gotten no reply. I also reached out to Coinbase via XXXX with 4 more messages several days ago. As did my wife with 2 more messages 2 days ago. There 's been no reply. 

I would like to be able to withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband would like to be clear about escrow account because we have been trying to pay more of the escrow but we still see that the escrow account is still growing and growing up too fast and we are scare that the monthly payment of the our home continue get rising more and more every year and the explanation of the mortgage is that they make an estimate of the rising of the taxes and insurance and thats the reason we have to pay {$300.00} more of the original monthly payment {$1400.00}. Additional from our monthly payment they took XXXX XXXX monthly from our mortgage payment to the escrow plus this year we pay to the escrow our home taxes for XXXX. We have paid for the escrow {$8100.00} and stool have a balance of {$5200.00} and the problem is that they are not enough clear of the quantity that we have to pay to the escrow versus the quantity we have been paying.

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 2019-04-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work out a debt with Wells Fargo but they just keep asking me for more and more documents. I started my process in XX/XX/2018 and it has been a down hill battle. Constant requests for information that seem irrelevant, including my divorce decree which I was told if I did not send it in I would forgo the right to a modification. Communication is a lost hole and people trying their best to resolve matters are lost in the process. I thought I would be successful in making my loan program but it doesn't seem to be the case.

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 2022-08-11
Company: Experian Information Solutions Inc.
State: MT
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 XXXX attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2018-01-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I 'm trying to link my TDBank Checking Account to XXXX. They say that TDBank is not giving access to external apps, thus I call TDBank and they tell me that the know of XXXX and can assure me there are no blocks on that site. I call XXXX and they say the can not do anything to help me and that I must call my Bank. Please help, this is one giant circle of getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, i fill an online application for a Wells fargo credit card, and i fill all the information for the initial investigation, after 48 hours XX/XX/2020, i call and they told me i have to go to a near branch with two statement with my name and an ID, so i take my license ID, XXXX XXXX XXXX Statement and my car insurance where appears my address, my photo and full name. I went to the near branch in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and by fax the y send all the documents. Passing the 24 hours XX/XX/2020 i can call again to know the resolution. I call and they told me, they not approved the car insurance as my address verification, so i sent my Pay stub from my Company because they said yes for that document, again, i call and the told me i have to wait another 24 hours. Again i wait the 24 hours XX/XX/2020 and when i call the lady very kind told my, they need now, the image of my social security number or my residence, i said, why if you have all my information, even you see me at your branch and an executive could see that was me. i don't understand why and i request for a supervisor, and the supervisor told me, because i am from XXXX they have to request more information and see if i am a residence person of the united states. I told her, i sent my pay stub from my company, and i to received w-2 i need to be a residence, also they have all my information. At the end they don't approve my credit card application because i'm from XXXX, i feel discriminated because i born in XXXX. that is not acceptable if i complaint with all the initial requirement for every resident or citizen of this country.

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 2019-04-09
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans were serviced by Navient who repeatedly recommended and encouraged me to go into forbearance in XXXX and XXXX rather than make qualifying payments towards what would have been public service loan forgiveness ( PSLF ). This has extended my loan obligation and will in the end cost me thousands of dollars. It is only now coming to light through various reporting that this was a deliberate strategy on their part to get borrowers off the phone. I would be happy to provide whatever evidence is necessary for CFPB to take action against Navient for intentionally misleading borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: FMS Inc.
State: ID
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:
My credit report is showing 3 accounts with FMS that were paid on XX/XX/2019. I have asked for them to show them paid and for letters showing paid on 2 different occasions the last being on XX/XX/2019. I have not received my letters and they are still on my credit report showing the balances. I paid XXXX, XXXX, and XXXX on XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: BB&T CORPORATION
State: NC
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 pulled my XX/XX/XXXX credit report and found REGIONAL ACCEPTANCE CORPORATION had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I 've been trying to submit complaints to EXPERIAN for some reason they keep sending me fraudelent dispute letters back. Guess this leaves me with no other option but to file complaints .... 

XXXX XXXX XXXX XXXX XXXX, #! XXXX. # XXXX, # XXXX, # XXXX, # XXXX, XXXX FIRST AND FOREMOST BEFORE YOU " VERIFY '' THIS ACCOUNT XXXX XXXX XXXX IS OPERATING WITH AN INACTIVE LICENSE IN THE STATE OF LOUISIANA!!!!! THAT IS ILLEGAL. SECOND, I HAVE NEVERRRRRRR GIVEN XXXX XXXX XXXX OR ANYONE ELSE ACCESS TO MY MEDICAL INFORMATION!!!!!!!!! PLEASE REMOVE THESE ACCOUNTS!!!!!!!!! 

XXXX XXXX # XXXX I have never done business with nor have i been contacted by this company. Please remove. 

- XXXX XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove!!!! 

XXXX XXXX # XXXX I have never heard of XXXX XXXX . I have never done business with XXXX XXXX. I do n't owe this debt they claim i owe. Please remove. 

-XXXX # XXXX I have NEVER done business with XXXX ... .Please remove. 

I know that mistakes happen but it should not happen at my credit 's expense!!!!! 


also these addresses are incorrect. i have NEVER lived here ... 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA 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 2018-01-13
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, 2018, I tried to add my TD Bank account to XXXX in order to make purchases. When I logged into my account, XXXX notified me that " TD Bank is blocking you from enabling external applications. You have the right to access your financial data. Encourage TD Bank to fix this problem by contacting them. '' I have yet to contact the company directly, because various blogs and threads online have described negative experiences, thus I decided to follow one of XXXX 's three suggestions ( XXXX and calling TD Bank as the other two ) and file a complaint with the CFPB. Hopefully this issue can be remedied swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am being constantly harrassed by a collection company, Diversified Consultant, collecting " XXXX ''. I remember briefly opening an account with XXXX approximately three years ago, maybe more. it was not a contract. It was for a landline. The service did not work in my home. So I immediately returned the equipment and cancelled my account. 

I just recently started hearing from them. By " recently '', they started contacting me a year ago. I explained to them the above. However, they constantly harrass and call me, even after I repeatedly asked them to stop. Also, I asked for some kind of paperwork from them and did not receive any. I do not owe this. It was reported to all three credit bureaus. I want it removed from my credit report. I want them to stop calling and harassing me. 

QUOTE FROM APPLICABLE LAW : Debt collector CAN NOT : Inappropriately call you. Collectors cant call at inconvenient times ( such as before XXXX XXXX or after XXXX XXXX ) or at work if you arent allowed such calls. 
Harass you. Harassment includes threatening harm or violence, using foul language, or calling repetitively. 

The above applies to the Diversified Consultant. I have documentation of their nonstop calls. I use my phone a lot for business and they have disrupted my work numerous times and compromised my work.

Company response to consumer: Closed with explanation