BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: Lending Club Corp
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I get paid every 2 weeks, I wanted to change the due date for my payments, they were normally due on the XX/XX/XXXX of each month, we are buying a home and now will need to move some bills around to accommodate the new mortgage payment. I emailed Lending Club on XX/XX/19 at the email they provide for due date changes ( XXXX ) requested a new due date around the XX/XX/XXXX of the month, they emailed back on XX/XX/19 that they could only go as far as the XX/XX/XXXX, which was ok, I emailed back that same day the XX/XX/XXXX is fine I needed to change it regardless. I received an email back on XX/XX/19 stating that my new due date would be the XX/XX/XXXX of each month beginning on XX/XX/19. Today is XX/XX/19 and I checked my bank account and Lending Club took their payment, I called and spoke to XXXX different people, the first rep told me I misinterpreted the email and had to call to change the due date, there is no mention in their emails of me needing to make a phone call to do this, the second person put me on hold and never came back, the third woman I spoke to saw the emails and could not understand how the first woman I spoke to could tell me I was wrong and there was nothing that could be done, she opened up service tickets for a supervisor ( who are not available by phone to customers ) to look into this and another service ticket to try and cancel the payment, my account is now overdrawn and I was charged {$35.00}, this is absolute XXXX!! I am appalled that nobody knows what to do and you can not speak to a supervisor. I want this rectified and I want the {$35.00} fee refunded to me. I have all emails saved as proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14
Company: BARCLAYS BANK DELAWARE
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:
BARCLAYS BANK DELAWARE, XXXX, XXXX XXXX XXXX & fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX XXXXXXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given BARCLAYS BANK DELAWARE, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.

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 2021-08-17
Company: SYNCHRONY FINANCIAL
State: PA
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:
My credit card is for PC Richards but with synchrony bank. On XX/XX/XXXX I had my 2nd decrease in my credit limit in the last few months. I contacted the company the 1st time they decreased my credit limit, To try to determine why my credit limit was decreased and also why I was not notified of the change. I was greeted with nasty comments and being hung up on and still no notice being sent to me after speaking with two different people. Now on all this XXXX it happened again without any notice being sent to me. Each time the change pushes me over my credit limit, which drops my credit score. Then they charge me a over the limit fee on top of it. I only find out about the changes because I have XXXX XXXX. I have been with the company a few years and constantly make my payments. Then when I call them and ask why I'm not receiving the notice or being told when I login into the account. I'm told they only send the notice in the mail and pass the buck onto the post office. They say they sent 3 notices but I haven't gotten any at all. I was forced to ask them to read it to me over the phone and the reasons she gave me were lies. They did the same thing with another account I had with them until I was forced to close the account. Even though the account was always {$0.00}. The PC Richards card hasn't been used in some time now. I have never had cards lower this often before this.

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 2020-01-28
Company: EQUIFAX, INC.
State: NJ
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 disputed the erroneous information from XXXX   reported on my credit report. It was allegedly investigated by Equifax. They stated that it was verified, but they failed to provide me with there METHOD OF VERIFICATION. 

Equifax also failed to mark this item as disputed, as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Premium Credit Bureau
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: Reporting company used your report improperly

Complaint:
XXXX, XXXX, XXXX & XXXX XXXX XXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Suntrust bank dishonestly and erroneously stole a total of {$100.00} from my checking account. On XX/XX/XXXX, a deposit of {$340.00} was made to cover a withdrawal to my sons ' college education fund that was scheduled on the same day. Suntrust falsely noted that the deposit was made on XX/XX/XXXX - even though I have a receipt indicating that the deposit was made on XX/XX/XXXX. Suntrust then charged a {$36.00} overdrawn fee even though the account became overdrawn only because Suntrust made a mistake by not crediting my account on the right day ( June 18 ). 
Because Suntrust erroneously charged a {$36.00} fee, there was not enough money to cover a check of {$15.00} that was paid the next day ( June 19th ). Suntrust then levied two additional {$36.00} overdrawn fees. In other words, Suntrust 's mistake in the deposit date caused three overdrawn charges amounting to a total of {$100.00}. 
To make matters worse still, Suntrust told the CFPB that it had contacted me regarding this issue. But it has not yet done so. Suntrust refunded only one of the three fees and therefore, it still owes me 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 2023-08-27
Company: HYUNDAI CAPITAL AMERICA
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I. On the day of XX/XX/2023 I downloaded the payoff quote from my Hyundai motor finance online account for the total amount of {$25000.00} including the {$3.00} per deem charge. 

XXXX. Next day, XX/XX/XXXX I paid off the total payoff quote on my account selling my car to the XXXX XXXX XXXXXXXX located XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$20000.00} and paying them the surplus of {$4900.00} for the total amount of {$25000.00}. 

XXXX. Even though I paid my total debt with Hyundai motor finance on XX/XX/XXXX I got deducted from my XXXX XXXX XXXXXXXX account what used to be my monthly payment of {$500.00} and this is not even reflected on my payment history and wasnt either refunded. 

IV. The Balance Amount for the XX/XX/2023 was for {$25000.00} and my payment for {$25000.00} was reflected on the Hyundai Finance online account for the XX/XX/2023. Regarding this payment I have serial questions : a. Why if the payment was for a total amount of {$25000.00} to the principal account went just a total amount of {$25000.00}? 
b. Why is Hyundai motor finance charging me {$15.00} for NSF? 
c. If {$25000.00} minus {$25000.00} plus ( - {$110.00} ) of interest, plus ( - {$15.00} ) of NSF equals {$480.00}, why is Hyundai motor finance charging me as payoff quote those {$480.00} when they actually owe me that money? 

V. Since I paid off my total balance, I have been trying to contact Hyundai motor finance customer service phone number multiple times trying to get an explanation on why the credit report stills showing up my XXXX XXXXXXXX debt and why now I have a new payoff quote. 

I tried to contacted them and explained this whole situation 6 times already, and sent them a physical letter on the XXXX of XXXX to the Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, according to their website asking them for : I. Please remove the payoff charge of {$480.00} XXXX. Please issue me a refund for the {$500.00} deducted on the auto payment on XX/XX/XXXXXXXX XXXX XXXX 
XXXX. Please close my account after is proved I owe you nothing. 
IV. Please contact me or reply to me through a formal 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 2022-09-16
Company: EQUIFAX, INC.
State: AZ
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 XXXX  Account XXXX XXXX, Account 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 XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021, I requested Equifax to conduct an investigation to an item on my credit score that I did not recognize as mine. According to the Fair Credit reporting Act, the credit bureau has 30 days to look into the dispute, based on the information provided. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report. Today is the XX/XX/XXXX and Equifax failed not only to do the proper investigation but also did not remove the inaccurate or fraudulent information. 

The account Name : 1. XX/XX/XXXX - Account number : XXXX The above listed item is completely unauthorized by me and most likely fraudulent. Therefore, it is a very serious error in reporting. Please delete the above misleading, inaccurate and fraudulent information and supply a corrected profile to all creditors and reflect the new and accurate information on my credit file as soon as possible. 

Once again, the credit reporting bureau failed to provide any prove that the account belongs to me or was authorized to me or any financial instrument signed by me. I have never received any letter confirming the receipt of my complaint nor any letter stating that the agency started an investigation required by law and that had to be finished within 30 days of the receipt of my several letters. Again, I heard nothing back and it has already been over 6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Billing dispute for services

Complaint:
HELLO MY NAME IS XXXX XXXX XXXX XXXX I HAVE INCORRECT INFORMATION IN MY CREDIT INFORMATION AND I HAVE BEEN A VICTIM OF IDENTITY THEFT, PLEASE DELETE THIS COLLECTION THAT IS FRAUDULENTLY MADE FROM MY CREDIT REPORT, HERE I SEND YOU THE IDENTITY THEFT, PLEASE DO NOT PLACE A FRAUD ALERT, AND IF THERE IS A FRAUD ALERT PLEASE RENEW IT THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 I completed an application through TransUnion Smartmove. This was a completed the SmartMove screening request for a property that I planned to rent. I submitted my Social Security Number as well as current address, previous address, phone number, income, email address, and personal information.I also paid a {$40.00} application fee. Once the application was submitted, I received a confirmation email that " No action is necessary on your part - you will be notified by the landlord/agent with a final lease decision. '' The landlord contacted me and told me they received a report of a criminal record, and asked for an explanation. I have never been arrested or been to jail and have no criminal record. I called Transunion customer service to inquire about the inaccurate information that was reported. The customer service rep. told me there was nothing they could do because it matched my name. The criminal report did not even provide the date of birth or social security number of the criminal. So they did not actually match this to me, they said 'it could be me '' So they are reporting someone else criminal record because they have the same name but they have not made any other critical connection, like social security or date of birth, they excluded that information from the 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 non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Good Evening My name is XXXX XXXX and am a XXXX XXXX XXXX XXXX and I have implementing my XXXX XXXX expertise to build publish and produce cryptography and enthuse XXXX and XXXX XXXX networks. I have been granted mining rewards for mining ether and bitcoin as well as other Tokens and coins within the cryptocurrency environment locally which is Implemented in cryptography cryptocurrencies at this time within the XXXX XXXX XXXX XXXX. I also have a dividend as well from my realtime stock strategies through my portfolios that have cash and daily real time stock exchange funds that need to be deposited on my credit card or be issued for a new or previous financial institution. I also have Holdings that are applied to XXXX/ and all financial indexes. Please fill free to contact me if you have any questions here is copy of my portfolio that I would like to gain a depository or financial institution for emergency management and Global Health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Affirm Holdings, 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:
On XX/XX/2021 I disputed XXXX items on my XXXX consumer credit report that was allegedly furnished by the company Affirm. My dispute was delivered to Affirm on XX/XX/2021 and they have failed to respond to my dispute within the XXXX day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-08-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Payment debited from your bank accountXXXX Inbox XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX hours ago ) to XXXX, bcc : me our regular member Your account will be auto debited WITH {$340.00} the next 12-month subscription. 

We thank you for completing one YEAR with XXXX XXXX 



RENEW date : XXXX XX/XX/2022 Payment mode : auto debited BILLING no : XXXX End : 1 year If you have any queries or WISH to cancel the subscription, please connect user + XXXX ( XXXX ) ( XXXX ) ( XXXX ) within XXXX  HRS. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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: Account information incorrect

Complaint:
As of XX/XX/2022 XXXX XXXX closed an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the Executive Customer Relations department file number XXXX  but she has yet to respond 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 2018-02-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian Report # XXXX XX/XX/2018 Personal Information : Experian has all these names in which I never used for any type towards credit or Employment. Experian has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as showing 2 times Experian needs to provide me  documented proof from state ID Passport Drivers Lic showing that these names been used by me. I also want proof documented by Experian to these names link to credit or credit cards car loan or home Mortgage anything fin in those names documented. It makes no sense that Experian creates names or address or information that is not right or does not or can be confirmed.

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