BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-20
Company: Lending Club Corp
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I am down to the last 4 payments with XXXX, dba Lending Club Corporation, dba XXXX XXXX XXXX XXXX   XXXX, dba XXXX XXXX XXXX XXXX XXXX. 
When I switched from an ACH debit from my XXXX account to a PAPER CHECK from my XXXX checking account. 
XXXX Bill pay has sent 4 payments to Lending Club Corporation, all have been returned as UNDELIVERABLE. 
1st sent XX/XX/XXXX, for {$440.00} XXXX emailed me via my account " we mailed the check for the payment listed below, but it came back to us as undeliverable, we have placed a stop payment on the check. Please contact payee and update the address before resending. 
I contacted Lending Club and I was told, " Your bank has to send a paper check. '' Which XXXX had indeed done. 
2nd payment sent on XX/XX/XXXX in the amount of {$430.00} to the Lending Club Corporation. 
XXXX advised me on XX/XX/XXXX that payment to The Lending Club Corporation, " We mailed a check for payment listed below [ Payment to Lending Club Corporation from account XXXX for {$430.00} ] But it came back as undeliverable. We have placed a stop payment on the check. 
Please contact the payee before sending another payment. 
3rd Payment to Lending Club Corporation Sent XX/XX/XXXX The whereabouts if the check sent from XXXX are unknown at this time. My account at XXXX shows the check was cut on this date and mailed, HOWEVER On XX/XX/XXXX I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX in XXXX, CA XXXX The balance of the loan is in fact, {$1700.00} I researched the Office of Comptroller of Currency, U.S. Dept if Treasury and found that neither Lending Club Corporation, nor Consumer Lending Receivables XXXX XXXX XXXX exist in their data base. 

I verified the address to the Lending Club as follows with a very rude man XXXX prior to making my payments via check : Lending Club Corporation Dept XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My Account number is : XXXX As a result of their phony address all the payments that have been made have been returned, less the one still outstanding made on XX/XX/XXXX. The whereabouts of this payment have not been returned to me neither has it posted to my account at the Lending Club Corporation to date.

The Lending Club Corporation Sent my account to collection only 39 days after the due date of my payment due on XX/XX/XXXX. The payment made XX/XX/XXXX was made on time, albeit returned by the Lending Club Corporation marked UNDELIVERABLE.

Now my account is in collection. The Lending Club Corporation does not answer their phone, XXXX is no longer linked to this Corporation, they are not registered with The Office of Comptroller of Currency???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: ALLY FINANCIAL INC.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with Ally Financial on XX/XX/2019. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction and given my knowledge of this, I was not expecting to receive bills. Shortly thereafter I started receiving bills which is a violation of 15 USC 1692b. In addition, the bills contained false and misleading information which is a violation of 15 USC 1692e, and bill contained abusive verbiage which is a violation of 15 USC 1692d. Also, at no point since entering this consumer credit transaction have I been advised of my right to rescind nor have I received any documents pertaining to such, which is a violation of 15 USC 1635.

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 2019-05-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX****, XXXX/XXXX   XXXX****, XXXX/XXXX XXXX****, XXXX/XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX   XXXX****

Company 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 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX XXXX XXXX PA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

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 2019-03-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX of 2018 my checking account at Chase Bank was affected by fraudulent activity. I had filed a claim with the bank and received a temporary credit of {$3500.00}. I was told that the claim was denied, however the investigation was reopened and the claim was approved and the transactions were fraudulent. Chase then mistakenly issued me a second check for {$3500.00} for the fraudulent activity. I effortlessly tried to get the second check back to them with no success and ultimately told them to cancel the check to avoid any accounts going into colllections. I received a call today stating that my account was in collections for {$3500.00}. Spent hours on the phone and in the bank trying to resolve the issue. Each person has something different to say. When I spoke to claims she agreed with my situation, collections then told me their claims department was wrong. I attempted to cash the check to pay of the balance of {$3500.00} to rid myself of the problems and the check is cancelled so I cant settle the debt. This debt is a mistake from chase for paying me out twice and the cancelled check should have ensured that the account should not have gone negative, having chase only paid me once. Now chase is seeking {$3500.00} and cancelled the check for {$3500.00}. They made the mistake of paying me twice, I tried to resolve and now Im in collections. Theres a previous cfpb complaint proving the above statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Discover Card which had a past due balance. I was notified that the account would be charged off it a payment was not made on the account in XXXX. Via their online chat, I was advised by a representative from Discover that If I made 1.5 payments I could get a credit for half a payment, thereby knocking my delinquency down by 2 cycles. I was told that if I made this payment by XXXX at the latest, the account would not charge off. Therefore, I scheduled the payment with the online representative. The payment successfully processed on XXXX. 

In XXXX I was notified by Discover that the account had charged off. When I contacted them ( once again via online chat ) I was told that the account charged off on XX/XX/31 therefore my payment for XXXX did not reduce the delinquency. When I asked why their representative allowed me to schedule a payment for XXXX ( my payment is normally due on the first ), and assured me it would pay down my deliquency - I did not receive a sufficient response or an admission of guilt, only a repeating of the facts. 

Discover is at fault in this situation because one of their representatives explicitly told me that my account would not charge off if a payment was processed on XXXX, and yet still charged off the account. 

Further, I was unaware that the account was charged off and applied for an auto loan in XXXX. The adverse charge off mark on my report lead to a loan offer that was less than would it would have been if the account was not charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Nicholas Financial Inc.
State: VA
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:
Today is XX/XX/2019 ..I been fight with this company call Nicholas financial about these late dates they are reporting on my credit reports after return the car into them and they are just keep reporting wrong info Evey month on all 3 credit bureaus k check my credit this morning my score drop 23 points because of them XXXX it's says charge off XXXX  it says repo XXXX  it says repo so it's not reporting right and I want them to remove it from all 3 credit bureaus asap they messing my whole life up with this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to 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 2020-08-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I have filed several on line disputes with XXXX, Equifax and XXXX about a collector called XXXX XXXX XXXX. The account is not my account, and have requested that this information be removed on XX/XX/2020, XX/XX/2020 & XX/XX/2020 and on all times the agencies listed above did not respond correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: EQUIFAX, 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 filed a dispute with Equifax on XX/XX/XXXX, was emailed to say the results were complete and available to view online. Attempted to view results and was unable to do so. I called the company requesting a copy be sent to my residence. I was told it would arrive in 7-10 days. I didn't receive it. I called them again after the 10th business day and told them I haven't received it. I requested a second copy and the same thing happened. I called again and stated that this is an issue with me receiving this document if there's is something else that can be done. They said no and I'm out of luck. I need the document for proof of my records and they refuse to provide it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never had a vehicle loan from this company! they have the wrong person ( identity theft ) SMH

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
To whom tay concern, My Bank of America checking accout was severly impacted by fraudulent activity. In the month of XXXX this year I had {$2500.00} taken out of my checking acount on several transactions. My dad and I have made several attempts to get this issue resolved wih the bank but thier response from thier fraud deparment has always been to close te claim over and over again insisting that I gave permision hat I authorizd one of the transactions and ignored alerts. I was first told that my funds would be restored with in a week then the claim was closed. I was then told that I needed a police report so i did so with XXXX Police department. I was then told to write a hand written letter and it had to be faxed for security reasons this was done also an faxed. All the while my claimes were being reopened and then later closed. My dad finally contacted FDIC and was refered to this organization. Bank of America told you in thier response that they had no knowledge that my dad had any authrization to recive information on my acount when I have given consent for him to help me every step of the way. I recived a letter inthe mail from cfpb with Bank of America 's response from XXXX XXXX stating the response with her contact information. I called her and she stated that I did not respond to the fraud in time and that they only hav a small window of time to work in. All I want for them to do is to do right by me and give back what was taken from me. I worked very hard for my money and I trusted them to keep it safe and now they are treating me like it was my fault that all of this happened. My account was started by my dad so why or how could they say to your organization thery dont recognize my dad as someone who speak on my behalf. I don't now why my bank acts as though this is okay to keep treating me this way.

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 2018-06-11
Company: BARCLAYS BANK DELAWARE
State: FL
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:
The company issued me a credit card in XX/XX/XXXX/XX/XX/XXXX and regardless of the fact that I never made any late payments or missed a payment, never went over my credit limit, and continually carried a balance, they decided in XX/XX/XXXX to close my account. They never advised me of this fact and the only way I realized my account had been closed by them was to try to use my card and have it declined at which point I contact them and they advised they just decided to close my account. Couldn't provide a reason and refused to re-open the account. Interestingly enough, I have a cash reward balance on my account of {$39.00}. Redemption of cash rewards is done in {$50.00} increments, so basically they closed my account just shy of me earning a cash reward of {$50.00}, which I could redeem to my account balance. When I originally called to inquire why my card was declined, and inquired about the cash reward balance that was just shy of a redeemable amount, I was advised I could be transferred to someone who could help get whatever my current balance was credited to my account, but I was already late for work and said I would have to call back to handle that. I called back today and two different associates ( one supposedly a manager ) pretty much laughed and me and told me too bad, I would never be able to redeem the cash rewards until they equaled {$50.00} and since they closed my account it would never happen and too bad I can write a letter if I don't like it. Yet, they still expect me to make my monthly payment after they didn't have the decency to send me a letter that they would close my account or anything. These are reprehensible business practices -- - preying on consumers and closing their accounts just in time to stop them from earning or using additional rewards.

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 2018-06-11
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I review my credit report and look was account, i call the aprtament buildibng they claim was under another person not my, and they cant reach the manager who handle that issues.I mailed 2 letter to the collections agency never answer or mail any proof of the contract.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reported to Experian and XXXX  with updating my personal information properly or at all. 

Experian has Not updated my name correctly as I have request for months now as well as my address. They have an address attached to my file that needs to be removed and they don't have name printed correctly, yet they won't make the necessary changes. 
I spoke to someone on the phone and they told me that I would have to have the creditors send a notice to verify my personal information. How does that make sense when these companies a lot of times have your information implanted incorrectly. 

XXXX  also has my name printed incorrectly as well as multiple addresses that need to be removed and is basically refusing to update my personal information. 

I've sent certified letters to these bureaus with a copy of my updated license, social security card and a proof of my address and they have not change that information. 

My name : XXXX XXXX XXXX My address : XXXX XXXX XXXX XXXX, Florida 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 2020-06-26
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
About 3 months ago I opened a secured account with XXXX. After my card was delivered I was unable to use it as I was prompted to pass an IRS tax return review, to which I complied, the process mentioned 5 to 7 business days, about 2 weeks after I was able to use my card and would regularly make my payments. Nevertheless about 2 weeks ago my account was blocked again as Discover claimed that my Tax Returns Gad not been verified. About 3 days ago I was able to log in and make payments, but this morning after trying to settle my balance I notified an irregularity, my account was closed. I received no notification in the mail or electronically and further my secured fund will only be disbursed in 60days. As a consequence my credit score has plunged 50points which to me are VERY crucial as I am in the process of purchasing a house. I am astonished at the whole process.

Company response to consumer: Closed with explanation