BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX I applied for a personal loan in the amount of {$7500.00}. I submitted all of the requested documentation, and created an online account with Lending Club. 

By XX/XX/XXXX, I was notified that my loan had been approved and fully funded 100 %, and that it might take my bank an additional 4 days to deposit the funds in my checking account. Since that time I have made numerous phone calls to Lending Club to find out why my loan was still unfunded. On XX/XX/XXXX I reached a supervisor, by the name of XXXX who told me that they were having some technical problems and things should be resolved soon. My last contact with Lending Club was on XX/XX/XXXX. I spoke to a representative, named XXXX. After explaining my situation, she put me on hold and spoke to Supervisor XXXX. When she returned to the line, she said " the issue regarding my loan was a big mess and they were sending it to the big bosses to resolve the matter and it could take an additional 2 weeks ''. 

I applied for this loan to consolidate my bills and do some home repairs. During this long wait from XX/XX/XXXX until now XX/XX/XXXX, I have lost time and other options to apply for a loan. 

I have been treated unfairly and have been misled by Lending Club. I am requesting that the loan I applied for and was approved be funded to my bank account as soon as possible, with no more delays and unsatisfactory excuses. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: EQUIFAX, 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 was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX  nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have XXXX school loans with FedLoan Servicing. I was paying them with the income based repayment plan -- - in the hopes of meeting Public Service Loan Forgiveness ( though I now understand that almost never happens ). I am back in school for an XXXX while working full time as a XXXX. In this last semester of school, Spring 2019, FedLoans put me into loan deferment for school without asking or even notifying me. I did not know I was in deferment until I noticed that my loan amount wasn't deducted from my bank account. 

I have contact them to fix this in the following ways : 1. I called them and asked to get out of deferment as I never requested to be in deferment or approved that they place me on it. They told me they are allowed to do that and I can fix it by filling out a form -- which I did.

2. A couple months later, I was still in deferment. I called again. They said the form didn't go through so I need to fill it out again -- which I did.

3. A month later, I am still on deferment. I called again. They said, " I see your form here. Let me see why it has not be processed yet. '' I noted that I was filing a complaint here and they connected me to the enrollment team to " fix the problem immediately '' -- wish I knew that trick before. They have assured me that I will go back to my income driven repayment and automatic bank withdrawal and that this will not affect my PSLF qualification. 

Of note, it is difficult to access the customer service at FedLoans via phone. They do have an email address though they have never responded to an email inquiry I have sent. 

I am concerned this makes my chance of meeting the PSLF program requirements even lower than the currently cited 1 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Inaccurate, unknown, and unauthorized accounts is constantly being mis reported on my credit file. I have requested the Method of Verification from the 3 CRA on numerous occasions to no prevail. My next step will be to file suit against Transunion, XXXX, and XXXX for not honoring my demand for a Method of Verification or to block these unauthorized accounts inwhich held me victim to their reportings inwhich caused me more distress inwhich I could write about. These 3 major CRA all has recently responded to previous requests stating " accounts verified ", but never once provided me with physical documentation of this so called Verification. I'm demanding to know how and who verified this because as a general rule of thumb electronic Verification can not be accepted as proof of anything. Also as stated within the FCRA laws inwhich is backed by the FTC, if these 3 CRA can not produced the above request then these following accounts shall be blocked and removed from my credit files immediately. 

Accounts 1 ] XXXX XXXX XXXX {$680.00} 2 ] XXXX XXXX XXXX {$350.00} 3 ] XXXX XXXX XXXX {$140.00} 4 ] XXXX XXXX XXXX 5 ] XXXX XXXX XXXX XXXX {$3800.00} 6 ] XXXX XXXX XXXX 7 ] XXXX XXXX {$130.00} 8 ] XXXX XXXX {$72.00} 9 ] XXXX   XXXX C {$71.00} 10 ] XXXX XXXX 11 ] XXXX XXXX   {$30.00}

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 explanation
Consumer complaint received 2019-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I use a Bank of America product referred to as Bill Pay with a feature called " Auto Pay ''. With " Auto Pay '' the merchant sends an electronic bill directly to Bank of America who then withdraws the amount from my checking account and pays the bill. 

In XXXX, Bank of America failed to pay my XXXX XXXX bill. XXXX XXXX alleges that it has nothing to do with them. Bank of America initially responded by telling me to inquire with XXXX XXXX. I sent a second request to Bank of America which included negative feedback regarding their initial response. Following this, they responded the second time stating that XXXX XXXX did not send an electronic bill in XXXX and therefore there was nothing for them to pay. ( The XXXX XXXX auto pay has been on for years as well as many other merchants and it typically works without any problems. ) In their response they stated that I have the right to request to see all documentation related to how they drew this conclusion. Upon requesting the documents, Bank of America responded by sending my a copy of my emails to them. ( This is the second time they have responded this way. ) They should be sending copies of all internal emails that the representative responding to my request sent to the Bill Pay group as well as any follow up telephone calls, emails and computer printouts that show that they did do an investigation. 

It appears that they are answering these types of issues with no or very little effort which is another clear indication that Bank of America does not concern themselves with quality customer service because they know, as we all do, that they are 'too big to fail '. This attitude needs to stop!! 

The case number of my initial inquiry to Bank of America is : XXXX Thank you 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 2018-06-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My CC payment is due on the XXXX  of each month. The cut off for the statement is the XXXX of each month. I sent out the payment for XX/XX/XXXX on the XX/XX/XXXX and it posted on the XX/XX/XXXX, the same day as the statement cut off, thereby posting to the XX/XX/XXXX statement. I contacted the Barclays CC and asked to have the payment corrected to post towards the XX/XX/XXXX payment due as intended and they refused. I have maintained my account as agreed with them. I have never asked for any accommodations. I would like this one time mistake to be corrected and the payment be posted as I intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2018, I checked my credit using the XXXX XXXX App. I noticed that my score with Transunion had plunged more than 50 points,  while the other bureaus did not. After looking into why, I discovered that Transunion was reporting that I was more than 30 days late on a loan payment from XX/XX/2018. I have never been late in payments with the creditor they were reporting the payment was late on. I contacted the creditor and was told they do not show any late payments on my account, and that they do not even report to Transunion, but to XXXX when a payment is late. I then opened a dispute with Transunion to investigate and contact the creditor. After two weeks the investigation was complete and the damage to my score was reversed after finding the payment was not late. The next month, XX/XX/2018, once again my credit has dropped more than 50 points and is showing the same incorrect late payment as last month. I also have a co-borrow on this loan and this problem is also damaging their credit. I have contacted the creditor to give them information regarding the repeated hit to my credit. Once again I was told I do not have any late payments showing, but to dispute it once again through Transunion to remedy the problem. I am concerned how Transunion can report incorrect information from a creditor that does not report directly to them. If my credit reports are side by side from all bureaus, Transunion is the one that reports my payment history incorrectly. They are also showing the creditor 's name incorrectly. The creditor was bought out 11 years ago. The creditor information does not even match-the XXXX XXXX , telephone number, etc.How can this bureau constantly report incorrect information that they are not even privy to?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new Citibank Basic Banking checking account because there was a {$200.00} promotion detailed at https : XXXX. I initially deposited {$2000.00} into the account. One of the terms of the promotion was : Within 30 days of opening your account deposit {$5000.00} New-to-Citibank funds into the new checking account. 

I wanted to deposit more money into the account, but I did not receive my debit card, and there was no way for me to add funds into the account without the debit card. There was also no way for me to create an online account without the debit card. I called in repeatedly about the fact that I never received the debit card, and was told to wait. I kept waiting, and I never received a debit card until XX/XX/XXXX. I called in and complained and Citi said a dispute would be filed. Apparently, no action was taken as a result of the dispute.

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 2019-05-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2019, I received 2 missed calls from XXXX. They called me a 3rd time and I answered. The automated voice said that my XXXX  account was hacked and that I needed to take action immediately. Since I had just finished exam week in college, I didnt think that this could be a scam so i stayed on the phone. A man with an XXXX accent then got on the phone and told me I needed to hurry and purchase XXXX XXXX gift cards for the amount of devices I have in my household in order for me to save my XXXX. He told me to go to a website on my computer and ran a fake security check to make it seem like all of the security on my computer was hacked and I was going to lose everything on it. I started to panic so I went to the store. He told me to purchase a {$100.00} gift card for each device. At first I only bought one for my phone then he proceeded to tell me that I needed to buy 3 more for my computer, XXXX, and Tv. So I returned to the store and got 3 more. He then made me read off the number on the back of the card to him. He told me the {$100.00} giftcard wasnt enough to get my XXXX  back because it wasnt a high enough ranking security. He sent me an email with a receipt for a refund for {$400.00} saying that the money was back in my account ( which was a lie ). He told me I now needed to get a {$500.00} giftcard to get my XXXX  back. Luckily I had misplaced my debit card and I couldnt buy another one. He stayed with me on the phone while I was looking for my debut card and kept trying to make me use a credit card to buy the gift card. He stayed on the phone with me for over an hour while I searched for my card. I then proceeded to call my mother to ask her if she could send me some money to go get the giftcard because I was so scared to lose my XXXX. She told me to look up if this whole thing is a scam and it was so I got off of the phone with the man. He then kept calling me repeatedly but I didnt answer. I filed a claim with my bank, Wells Fargo, immediately. They said they cant refund me the money back. I will attach copies of the emails and my call log below. I am now missing {$400.00} and Im just a young college woman who doesnt have much. I just got paid {$800.00} and now half of it is gone and I only get paid once a month.

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 2019-05-22
Company: Experian Information Solutions Inc.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX  XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; and 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 2018-03-17
Company: EQUIFAX, INC.
State: NM
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, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: MO
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:
Inaccurate, unknown, and unauthorized accounts is constantly being mis reported on my credit file. I have requested the Method of Verification from the 3 CRA on numerous occasions to no prevail. My next step will be to file suit against XXXX, XXXX, and Experian for not honoring my demand for a Method of Verification or to block these unauthorized accounts inwhich held me victim to their reportings inwhich caused me more distress inwhich I could write about. These 3 major CRA all has recently responded to previous requests stating " accounts verified ", but never once provided me with physical documentation of this so called Verification. I'm demanding to know how and who verified this because as a general rule of thumb electronic Verification can not be accepted as proof of anything. Also as stated within the FCRA laws inwhich is backed by the FTC, if these 3 CRA can not produced the above request then these following accounts shall be blocked and removed from my credit files immediately. 

Accounts 1 ] XXXX XXXX XXXX {$680.00} 2 ] XXXX XXXX XXXX {$350.00} 3 ] XXXX XXXX XXXX  {$140.00} 4 ] XXXX XXXX XXXX 5 ] US Dept of Education {$3800.00} 6 ] XXXX XXXX XXXX 7 ] XXXX XXXX {$130.00} 8 ] XXXX XXXX {$72.00} 9 ] XXXX XXXX XXXX {$71.00} 10 ] XXXX XXXX 11 ] XXXX XXXXXXXX {$30.00}

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 explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on 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 2019-05-08
Company: EQUIFAX, INC.
State: SC
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:
Last weeks i recieved multiple calls about collections that do not belong to me. I also recieved alerts that my information was discovered in over 2 worldwide data breaches. After reveiwing my credit report i discovered many fraudulent accounts listed on my credit reports. I believe i am a victim of identity fraud. I demand that the fraudulent information be removed from my credit report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received collection notice from XXXX XXXX for {$150.00} I called them and advised them this is not my account and also request that they provide me with all methods used to verify this account as being owed by me as well as provided all original paperwork with signatures and if such proof is not provided that they delete this account immediately as they are attempting to send this to credit reporting agencies

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 2018-09-19
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This fake agency claiming to be a collection agency. Theyre telling me I owed money to XXXX XXXX XXXX and they keep reporting to credit bureau. There are many complaints against Credence Resource Management and XXXX   supposedly had nothing to do with them.

Company response to consumer: Closed with explanation