BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: Lending Club Corp
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I made a XXXX over the phone. I was told that was the payoff amount. Looked on line it was asking for {$13.00} dollars more. I paid it because I want to get rid of this company that only care about interest and not the principal. I was told I would receive a letter in my email that the loan was paid off in full within 24 to 48 hours and all three credit bureaus will receive confirmation that the loan was paid off in full. It has now been 72 hours. I just want my letter so I won't have to deal with this Fraud unprofessional money hungry company ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1200.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1200.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-11-23
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called Huntington bank on XX/XX/2020 asking to close my checking account. I was notified I had a balance due because of monthly fees and then I had to close the account in person. I paid the fees on XX/XX/2020 but was not allowed to close my account over the phone. I am considered a high risk when it comes to COVID-19 and am not able to close my account in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
State: TX
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:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2022-01-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I finished paying the card off, & I got rid of the card. When I went into my bank XXXX were used when i was only authorized for {$800.00}. I believe it was fraud because the charges were made in another city.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
EFFECTIVE TODAY CEASE AND DESIST PULLING OR SHARING XXXX  DATA OR HAND SHAKE OR BE SUE IN XXXX XXXX DOLLAR LAWSUIT

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I never had a credit card my name was compromised

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 2018-03-09
Company: JPMORGAN CHASE & CO.
State: FL
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:
Since XX/XX/XXXX, Chase Cardmember Services has failed to assist me in disputing the following charges with the merchants : XX/XX/XXXX XXXX {$1900.00}, XX/XX/XXXX XXXX XXXX {$1800.00}, XX/XX/XXXX XXXX XXXX {$160.00}, XX/XX/XXXX XXXX XXXX {$180.00}, XX/XX/XXXX XXXX XXXX {$200.00}, XX/XX/XXXX XXXX XXXX {$260.00}, Chase Cardmember Services has also continued to charge my account finance charges while the disputes are in process and obligated me to make minimum payments on the disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, 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:
Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX, Equifax, and XXXX are reporting accounts that are not mine and are allowing these collection agencies report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been actively paying down my car loan with Kia Motors Finance. However, not all payments have been properly applied to the principal balance by which they calculate the next month 's interest payment. I have been getting overcharged on interest payments for nearly six months now and have reached out starting with an email in July. My payoff balance is significantly higher than what I should owe based on the amount of principal I have paid down. 

Having received no response I followed up with calls on XXXX [ ], XXXX [ ] and XX/XX/XXXX. 

I spoke with managers on two occasions but was never given a satisfactory response that my issue was being corrected. I am now nearing having the loan paid off but am not sure what will happen if they try to tell me that I owe the incorrect, higher amount.

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 2021-02-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
RE : Closed Complaint # XXXX XXXX XXXXXXXX XXXX presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as XXXX late payment XX/XX/XXXX to XXXX late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a XXXX late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to XXXX XXXXXXXX XXXX for the XXXX and XX/XX/XXXX were recently resubmitted to XXXX XXXX  XXXX via Experian in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: EQUIFAX, INC.
State: NC
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/XXXX, I sent an investigation request to Equifax and XXXX XXXX. They are supposed to respond with the investigation results within 30 days. Its been 45 days, and they have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: CA
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:
Hello please help. 

I have 3 concerns.

Dispute ; 1 Experian is reporting my closing date with XXXX XXXX XXXX  card on XX/XX/XXXX when it is ( XX/XX/XXXX ) I have notified Experian with a letter of proof from XXXX  XXXX 5 times online and 3 times via letter and they refuse to correct my closing date. Also XXXX & XXXX in not reporting this ctedit line at all and needs to add it. 

Dispute2 All three credit bureaus is reporting 4 late charges XXXX, XXXX, XXXX, XXXX of XXXX on my credit report where XXXX cleared the discrepancy abd provided me a letter which they have having all the late fees removed but no change has been updated. Ive made 4 attempta with a letter from the merchant

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 2021-02-24
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
RE : Closed Complaint # XXXXXXXX XXXX XXXX XXXX presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as XXXX late payment XX/XX/XXXX to XXXX late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a XXXX late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to XXXX XXXX XXXXXXXX for the XXXX and XX/XX/XXXX were recently resubmitted to XXXX XXXX XXXX via XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
RE : Closed Complaint # XXXX XXXX XXXX XXXX presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as XXXX late payment XX/XX/XXXX to XXXX late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a XXXX late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to XXXX XXXX XXXX  for the XXXX and XX/XX/XXXX were recently resubmitted to XXXX XXXX XXXX via XXXX in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was approve for an Automobile loan of {$17000.00} in XX/XX/XXXX with Pentagon Federal Credit Union. I started payments from XXXX to XXXX and on XX/XX/XXXX I applied for Covid-19 loan deferments which lasted for 8 months. On XX/XX/XXXX I resumed payments for XXXX and then one in XXXX and that was when I noticed that the 5 payments I made from the year XXXX to XX/XX/XXXX was not reflecting on my current balance of {$17000.00}. I called pentagon on XX/XX/XXXX at approximately XXXX to get some more insight about the matter. I was on the phone with the representative for approximately 40 minutes as she tried to analyze the matter unsuccessfully. She place me on a hold a couple of times during the call and when she returned the final time I requested an itemization of my payments and then the call was suddenly severed. 
On XX/XX/XXXX I made a payment to see how it would reflect my balance just bringing it slightly down to {$17000.00}.

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 2021-02-10
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: Account status incorrect

Complaint:
I AM NOT RESPONSIBLE FOR THIS LOAN, I HAVE DISPUTED WITH ALL THREE CREDIT COMPANIES, SO FAR XXXX  HAS DELETED THIS ACCOUNT. I CAN NOT GET IN CONTACT WITH A REP FROM THE COMPANY ANYMORE. THEY ARE REPORTING THE WRONG INFORMATION ON MY 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 2020-09-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection was opened XXXX XXXX amount {$1800.00} Collector Midland Funding LLC original creditor 01 XXXX  XXXX XXXX A Account Status with XXXX  says Open

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a Fraudulent XXXX/ XXXX account currently reporting on all three on my credit reports. This account was opened fraudulent where not opened by me. I have attempted to dispute these account off my credit report but they can not be disputed off. Ive also attached my FTC report to this dispute. 

The Account number on my credit report is : 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 2018-03-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery on numerous occasions has attempted to collect a debt that was not mine. They have two accounts at their office. They report it for a XXXX card and XXXX XXXX credit card. 

I sent letters in XXXX, XXXX, and XXXX disputing the debt with them and with the credit bureaus, but continued to receive letters in the mail and phone calls. 

I've requested that the accounts with Portfolio Recovery be removed from my credit report because the debt could not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Experian Information Solutions Inc.
State: CA
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:
There is an open XXXX XXXX account showing on my credit report that I have no recollection of every opening alongside two hard inquiries produced by them that I never requested. There are also two additional hard inquiries from XXXX ( XXXX ) and XXXX ( XXXX ) that were not asked for, yet somehow appear on my 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