BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: Lending Club Corp
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I applied for and was approved for a Lending Club debt consolidation loan, which was funded on XX/XX/2021. There were two creditors that were supposed to be paid off as a result of my Lending Club loan, XXXX XXXX XXXX  and Proper Funding. The XXXX XXXX debt was paid off promptly. The XXXX XXXX loan remains unpaid almost a month later. While I understand that the actual PROBLEM with Proper Funding not getting the payment may not be Lending Club 's fault per say, Lending Club has continued to refuse to remedy the situation by stone walling me when I contact them or offering different explanations or by giving me additional periods to continue to wait for Prosper Funding to receive a payment that has been pending now for almost a full calendar month.

Lending Club COULD have chosen to stop payment on the check, and deposited the funds directly to me so that I could pay the creditor, but instead I get a literal song and dance. I keep getting told I need to wait an additional length of time, even though I was initially told that once 14 business days had passed that I could open a process with them and that within 24-48 hours thereafter the problem would be addressed in the manner I spelled out above ( not the case at all I have found ). 
The bottom line here is that I am now being charged interest on a loan, and about to make my first payment on that loan, while at the same time I am being denied the RIGHT TO RECIEVE MY LOAN PROCEEDS OR TO HAVE THEM APPLIED TO MY SELECTED CREDITOR AS SET OUT IN OUR INITIAL LOAN AGREEMENT. 
This is clearly an intolerable situation which has begun to cause me personal financial harm. Lending Club needs to do the right thing and fix the problem immediately, it doesn't matter why it has happened, it just needs to be fixed. 
I would have preferred that Lending Club taken the initiative and done the right thing without me having to complain or having to be prodded to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my report on XX/XX/2020 via email and mail. I never received the report. I again asked for to be sent to me on XX/XX/2020 and still have not received ANY communication from LexisNexis. They are violating my rights to my free report. I attached the emails I had sent to the address they have published on their website to request your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: SYNCHRONY FINANCIAL
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
JcPenney has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian is reporting the following items inaccurately. This violates the FCRA. If I must, I will take legal action if they are not responsive to you but I want to create a paper trail. 


US BKPT CT XXXX/XXXX BK CHPT XXXX  DISC

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 2019-03-04
Company: Gurstel Law Firm, P.C.
State: AZ
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 sent 3 dispute letters to both XXXX XXXX, XXXX, XXXX XXXX and 3 credit bureaus in regards to failure to verify my account. They have continued not to provide me copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me to account statements which is not a proper form of verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX : {$540.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$1100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  ) XXXX Balance XXXX {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$700.00} ; 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 XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a letter to the XXXX credit bureaus, XXXX, XXXX and Experian notifying them that XXXX XXXX and The Bureaus is reporting incorrect information which is lowering my credit score. I sent them a letter from the Dept of Treasury where I worked for XXXX as an an employee informed me that my account information has been breached. This was caused by a cyber attack and my personal information was stolen. XXXX and XXXX removed the information but Experian has not. In my opinion Experian is affiliated with XXXX XXXX and The Bureaus because they refuse to remove this incorrect information. I never had an account with the Bureaus or XXXX XXXX. This incorrect reporting has been going on for years and my credit score keeps decreasing with this agency

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 2019-03-04
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called to settle a debt with convergent outsourcing for {$1000.00} and was told I will get an email confirmation about my debt being paid and havent received the email. I was told that the debt will not be paid to be deleted from my credit. Im in the process of repairing my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-11-05
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was sent a letter from RADIUS GLOBAL SOLUTIONS stating that I owed an Alleged amount of {$850.00} dated XXXX with XXXX XXXX XXXX, I currently have XXXX XXXX XXXX And they have no mention of this debt. This debt is not mine and is fraudulent in nature.

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 2019-11-18
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In XXXX my bank account was hacked and two {$250.00} were transferred to cash app. When I contacted my bank, they said they were holding me accountable for the fraudulent charges. When I asked why, they said that they contacted cash app and they said I had an account with them and I was the one to send the money to my cash app, which I did not. Why would I send money from my bank account to cash app? I would use cash app to send money to a person but never to cash app. I submitted a complaint to Better Business Bureau and they never responded. I also tried to contact them directly and they never responded. I checked my account and they closed it without my knowledge, consent, or a reason why. This alleged transaction cash app said I did, occurred the same day and time that my account was hacked for nearly {$500.00}. Cash app caught the transaction and returned the money.They have also added charges on to my account that I never completed. I also contacted Georgia General Attorney 's office to file a complaint and they transferred my claim to the Department of Banking and Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: Public record information inaccurate

Complaint:
XXXX and Equifax report incorrect dates on my credit bureau report for Chapter XXXX Bankruptcy. Information should have been removed XX/XX/2020.  XXXX  and Equifax are verifying information through a 3rd party company and not the Court. I have contacted the court and they have told me that they Do Not verify bankruptcies for credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX Speaking to XXXX and they transferred me to this company, Spoke with company, explained to them I have not heard anything about this supposed debt in years, They were trying to say that I am in collections with them since XXXX for a XXXX bill for {$600.00} asking for payment today with my debt card. Told these people I am not in collections with anyone. I track my credit report all the time and I just bought a home recently and it would have shown up on the credit reporting as well for my mortgage. I expressed to them I filled bankruptcy in XXXX and im sure the bill was in it they just kept asking for payment, the person i was speaking to them put someone else on the phone stating that he would be able to help me. I stated to him that I will not give my debit card information over the phone to anyone and if they want to send a letter regarding this I would look it over, the man said they would send a letter but they never asked my new address or contact information. Very strange to me and very strange I havent heard anything about this in 8 years and I have no collections on my credit report as they say i do, and just kept asking for payment today when I know I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a credit on our escrow account in the amount of {$3000.00}. Our lender, XXXX XXXX Mortgage, claims to have mailed this to us but refuses to provide any proof and refuses to let me speak with a supervisor. I have spoken with them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They claim to have mailed 2 checks : {$990.00} on XX/XX/XXXX. Not received as of XX/XX/XXXX. 
{$2000.00} ( check # XXXX ) in XX/XX/XXXX. Not received. They claim it was cashed but refuse to provide any proof. I have no record of the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: IL
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:
I have inquiries that I did not apply for some one been using my identity and apply for stuff with out my consent or knowledge first inquiry 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 explanation
Consumer complaint received 2019-05-31
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit score and was shocked at the amount of unknown fraudulent accounts that were showing on my report. I was not sure how my report was compromised, but after performing some investigation, I became aware of my information being involved in several credit bureau breaches. I contacted the credit bureaus for a more thorough investigation. They removed all the items except for two items reporting on my XXXX credit bureau from a company called LVNV Funding that I am positive are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: The Outsource Group, Inc
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I fired XXXX XXXX XXXX for failing to live up to their contract. They sent me to collections which I refuse to pay.

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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In my last complaint I was unable to put that the credit bureaus all 3 are disputing items that have taken longer than 30 days to update the correct status of my credit profile. I am asking since they have violated this law FCRA as of XXXX and XXXX to remove all negative items effecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: General Motors Financial Company, Inc.
State: IN
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 no record of these inquiries on report nor did I give information for my record to check i tried calling these company and could not get through their automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 at XXXX, I had a missed call from this company. Knowingly aware that none of my creditors could call me I returned the call at XXXX, the person who answered ask me verify my identity and I told the person on the phone I don't know who you are so you will need to send something in writing via email or mail. I advised you should not be calling me due to being protected by the Chapter XXXX " automatic stay '' that was filed and that all creditors had already received notification. After stating that information, I disconnected the call. On XX/XX/2020, I received a notification from XXXX, XXXX  and XXXX  that a collection account was added to my file for {$1300.00}. Not only did you not confirm my identity or you ability to contact me based off of our conversation, you were sold a debt that is protected by the Bankruptcy Code in which you violated by contacting me. The appropriate action that Ad Astra should have taken was to reach out to the creditor to verify based off the brief conversation. On XX/XX/2020, I received yet another notification from the credit bureaus that you increased the amount to {$1300.00}. My first question is why did you not validate the debit allowing 30 days for a response before adding to someones credit report? Why and how did you increase the amount? 

Do not blame COVID-19! I have disputed it through all three bureaus and your company stated that information is correct when it is not! I have attached screenshots confirming the timeline. 

As of XX/XX/2020, I have yet to receive anything via email or mail from Ad Astra to validate the debt. I demand this collection account be removed from my file through all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I am an user of Uber credit card issued by Barclays. On XXXX, there is an unauthorized purchase appeared on my transation activity. The merchant name is XXXX XXXX # XXXX and the amount is {$170.00}. After some initial investigation, the merchant locates at XXXX XXXX XXXX XXXX, XXXX, NC. The card is still in my possession, but I am in XXXX, California all the time and did not travel to North Carolina. So as my card, I keep it with me all the time in California and did not give anyone else. At this point, I suspect this unauthorized transaction comes from the credit card fraud. So I filed the Fraud Claim Form online and called the customer services. The bank promised to further investigate the transation will get back to me in one or two billing cycles and credited my account with the amount ( {$170.00} ). At the same time, the bank issued a new card for me. However, when I received the new card and activated it, they just bill the same amount XXXX {$170.00} XXXX to me again. On the next day, the bank issued me a letter saying that the investigation is done and transation is valid. However, this is an obvious fraud and related to their security for Uber credit card, but they had little words about what investigation has been done, why they think the transation is valid.

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 2020-10-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I had a select credit account with HSBC where two online Cash advances occurred. XXXX for {$12000.00} and XX/XX/XXXX {$3000.00}. The money was transferred to an online HSBC online money market account ( joint account ) with my wife. The money had been transferred out From the joint to two banks XXXX XXXX  and XXXX XXXX XXXX. I called several times to report the issue. This transaction was never tagged as fraud. I have also sent numerous certified letters and have not received any correspondence from the bank. I have sent a police report to HSBC and even went to a branch to speak with a representative and spent 3 hrs on on XX/XX/XXXX to try and resolve the issue. To date i have received no correspondence from HSBC acknowledging the issue. I would like to get an email acknowledging the issue and a reference number for the related investigation.

Company response to consumer: Closed with explanation