BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan with Lending Club and got a little behind due to Covid. I called and scheduled 4 payments on XXXX to catch up my loan. Instead of deducting 4 payments, they deducted 6 ( XX/XX/XXXX, XXXX payments, XXXX, XX/XX/XXXX & XX/XX/XXXX ). This has created an incredible financial hardship. I called and was told they would refund my money since it was unauthorized. I waited and it never came. I called again and again was promised it would be refunded. I called again a week later to check on status ( it's now been 3 weeks and over 5 hours of my time trying to correct their error ), and was told my request was denied since I scheduled 4 payments and they took 4. Unfortunately I didn't have my records on me so couldn't properly dispute their claims. Once I got home, checking my bank statements, I discovered that they not only took 4, they took 2 more WITHOUT MY KNOWLEDGE OR PERMISSION. I called immediately and was told that it would be researched and they would call me back, which they never did. Besides the fact that their representatives and supervisors are XXXX rude and completely unprofessional - what they did was illegal and without my consent. With these additional payments, I am now paid through XX/XX/XXXX ( per their statements ). I want my money refunded NOW. 2 payments of {$1000.00}, so {$2100.00}. This is shady business practices, at best. ANd when confronted with their error, they chose to use abusive tactics to deflect from their mistakes- all in an effort to keep two months of my payments. I am sure I am not the only one ( nor is this the first time they have done this to me personally ). What a racket! They must be earning a TON of interest at our, the consumer 's, expense. It's shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX 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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-04-12
Company: AES/PHEAA
State: NC
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:
On XX/XX/XXXX of 2020 I signed up for a program to consolidate and pay off my student loans through a provider called XXXX XXXX ( https : //docuservice.us/ ). Since becoming a part of the program I have made the following payment to the program : XX/XX/2020 - {$170.00} XX/XX/2020 - {$170.00} XX/XX/2020 - {$170.00} XXXX {$170.00} XXXX {$170.00} I have attempted to contact the provider on several occasions to make sure that my payments were going to my loans. After hearing nothing from XXXX XXXX, I contacted FedLoan who stated that this provider was not recognized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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:
In accordance to the fair credit reporting act. Then account listed below, have violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # not listed XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX Has violated my rights.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 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 items of information other than records of conviction of crimes which antedated the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person may not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2023-10-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In the month of XXXX, when I was going to make the payment, I noticed a charge for XXXX and I called Barclays bank and reported that I had not made that purchase. They told me that they were going to investigate which merchant it was. They delayed a month and sent me the first letter on XX/XX/XXXX saying that they contacted the merchant and it was XXXX XXXX that I had authorized that purchase. I contacted the XXXX XXXX department and that purchase was made by the website because they hacked my XXXX XXXX account and they made two Encisos but only one was approved by the bank. On XX/XX/XXXX a fraud case was opened with XXXX XXXX and they gave me case number # XXXX to give to Barclays bank. On XX/XX/XXXX I went to the police and made a report about the fraud. On XX/XX/XXXX I sent them the police report by email and Bayclays Bank opened a case again to investigate. On XX/XX/XXXX they sent me the same letter again that I have to pay the XXXX because they contacted the merchant the same people that they have told me during the months I called them again, spoke and explained to them what type of investigation they did when there is an open case with a police report and XXXX XXXX also has a fraud report. They told me the same thing, we are going to open another case and they do not resolve anything and the charge is on the card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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 to privacy and confidentially under 15 USC 1681.

Acc Name : XXXX XXXX  XXXX, Acc Name : XXXX XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXXXXXX, Acc Name : XXXX XXXX XXXXXXXX XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX says they credited my return made XX/XX/2019 and GM Card, Capital One says they haven't. It's XX/XX/2019. Capital One is going to Bill me and says they'll repay me when XXXX XXXX bank sends them the money. GM-XXXX-XXXX-XXXX, XXXX XXXX. XXXX at Cabela 's Capital One on a three way call spoke with XXXX at XXXX and can confirm this, Why can't GM Card do as much?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Experian Information Solutions Inc.
State: VA
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:
My wife and i went through a financial hardship due to her being XXXX  fall of XX/XX/XXXX. We went from two incomes to one. As a result we were a few days late on payments a total of 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Besides these times we were on time for the prior 10 months. This damaged our credit and will possibly impede on our chances and rates on getting a home. We reached out to the bank and they responded saying they do not have a forgiveness procedure.

Account- XXXX XXXX XXXX XXXX Dispute - late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature- seeking forgiveness due to hardship resolution- reflect late payment statues as current/paid

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine. Please remove this fraudulent account from my credit report. 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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the method of verification to show that the full ownership of this account. I have never done business with such a company. I am requesting this account to be deleted and block 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 non-monetary relief
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying for years to get my Experian credit report. I filled out all the forms requested and only get a response that my date of birth, name or ss # is wrong. I have tried to correct this on line and tried to call over the years only to be on hold for over an hour. When refinancing my home even the credit union could not get through to Experian and finally agreed to use another credit company to complete my loan. This has been going on for years and it is effecting my credit score when companies check my credit and are told " Experian does not have information about my credit history '' XXXX XXXX XXXX have no problem with my credit history. I have worked very hard to have 100 % payments on time, keeping my credit usage below 20 % and in general keeping a good credit score. Experian 's refusal to correct their mistakes or even answer their phone is inexcusable and is effecting my otherwise good credit. I know my birthday, name and ss #.

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 2021-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 customer service

Complaint:
Hi, I was on holiday in XXXX on XX/XX/2021 and had an incident with my rental car. I thought my credit card had the rental insurance benefit active when I used it for renting the vehicle in XXXX. However, I was informed after the fact that the benefit was not active and had been removed a month ( XX/XX/XXXX ) before I used the card for the rental charge. I investigated and found out that the capital one had sent the notice that the benefit had been removed to my old address which I had changed in XXXX of 2021 to my current address. There was no way I could have known that my credit card did not have the benefit active. I also have another credit card with the benefit, also a visa credit card of the same type, that I could have used! Ive tried addressing this with both capital one and visa and they have refused to honor the benefit. 

Best regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-23
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-02-01
Company: Complete Credit Solutions, 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: Was not notified of investigation status or results

Complaint:
XXXX  report number : XXXX XXXX has violated my rights under the FCRA. 
I filed a dispute with XXXX  to dispute an erroneous entry by Complete Credit Solutions in XX/XX/XXXX. I was not notified of this debt or my right to dispute. I became aware of the entry to my credit report added in XXXX XXXX by reviewing my credit report. 
Please note that this debt was initially reported by a company called XXXX XXXX. I disputed the validity of this debt and XXXX   removed it in XX/XX/XXXX. 
It was then purchased by Complete Credit Solutions. 

I received electronic notification yesterday from XXXX  that the dispute was rejected. 
XXXX failed to adequately investigate this dispute and failed to notify me in writing of why this dispute was rejected. Important to note, but not at all surprising, I was also not notified by Complete Credit Solutions detailing why this dispute was was rejected. 

XXXX  advertises a site to upload additional information supporting a dispute. It doe not allow XXXX   or JPEG uploads. After entering the requested demographic information, I pasted my statement only to receive an error message. 

If this matter is not handled lawfully, I will have no other option than to escalate to legal options Below is the Original dispute sent to XXXX : Complete Credit Solutions has violated my rights under the FCRA by : -Reporting erroneous information to credit reporting agency. 
-Failing to notify me in writing of the debt and of my right to dispute the debt. I learned of this debt after seeing it on my credit report. 
-This erroneous debt and negative entry on my credit report has impacted a decision resulting in a higher than expected interest rate. 
*This debt was purchased from XXXX XXXX after it was disputed and removed from my XXXX  report in XX/XX/XXXX. 
Verify this debt as legitimate including the original contract, otherwise remove it 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 2022-01-17
Company: EQUIFAX, INC.
State: NV
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 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 a account without my written instructions.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX These names above have been reported to my credit report and I have no relations with these names

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 2021-12-16
Company: Experian Information Solutions Inc.
State: MA
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/XXXX I send a dispute to Experian about the following account XXXX  XXXX XXXX XXXX ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. With the dispute I also send Experian an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( XXXX ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing.

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 2023-02-09
Company: Experian Information Solutions 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:
Hi I was advised to reach out to you all about some accounts on my credit report that I dont know anything about. I went to the bank the other day to start the process to buy a home for my family and my banker was going on my credit and as she was naming things there are several accounts on there I know nothing about. Here are the items that needs to come off because they belong to someone else : 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 There were also several inquiries that are not mine : 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. I really need help with this im doing this by myself and need some help.

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