BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
Company: Lending Club Corp
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lending Club. I cancelled auto pay through my checking account for a loan payment.XX/XX/2019. They responded XX/XX/XXXX confirming the cancellation. I understand I still owe this money, however they cancelled the autopay through email, but have attempted to withdrawal the amount three different times after the cancellation from my checking account and because the money was not in my account I have had NSF fees adding up. 
XX/XX/XXXX they attempted to withdrawal XXXX and it was returned with a fee. They attempted again on XXXX. It was also returned. They attempted to withdrawal XXXX on XX/XX/XXXX. It will be returned from my bank with another fee. I will be notifying my bank officially of the cancellation to attempt to stop further withdrawals. I did talk with my bank but they said I needed to talk to Lending Club.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Good morning, this is my third time trying to solve this issue with XXXX and Experian they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers. 
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.

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 2018-01-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXXXXXXXXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XXXX/XXXX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XXXX/XXXX/XXXX. 

I applied the account with XXXX XXXX ( XXXXXXXXXXXX ) on XXXX/XXXX/XXXX and submitted request to XXXX on XXXX/XXXX/XXXX. $ XXXX assets was successfully transferred on XXXX/XXXX/XXXX. 

I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Mar Joe Enterprises
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been actively monitoring my credit for several years, because I am a victim of identity theft. I got notification that a collection account was added, and when I pulled it up, I knew it was not my account. It is for a facility Ive never even been to and is something like XXXX XXXX XXXX from where I live. 
I contacted the company, submitted to them my ID theft report and police report, and they still refused to remove it. 
I then contacted the credit bureaus and submitted the same information to them. My disputes have all been closed, and it just says that the creditor has certified the debt. 
It really makes no sense. Even if I do have to go to a medical facility, I have Medicare and Medicaid. I certainly wouldnt owe almost {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Date : XX/XX/2019 Amount : {$180.00} XXXX : I was scammed out of two XXXX tickets, paying through Citibanks app ( more specifically XXXX within the bank app ). Was not aware and it was not emphasized that any payments were not protected under fraud or anything along those lines similar to XXXX. Trusted there would be a dispute system given it seemed back by the bank, but apparently XXXX is third party and banks do not have any obligation to help in this situation, which seems crazy given the integration of XXXX within banks apps. Difficult to even initiate any suit or claims given the amount and lack of concrete information on the scammer.

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 2022-08-26
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GAXXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX  XXXX bankruptcy dischargedDate Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$690.00}XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$0.00}XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$4000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX FIN XXXX Balance : {$970.00}, XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX  XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX/XXXX  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 non-monetary relief
Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
State: VT
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: Other problem getting your report or credit score

Complaint:
Experian is VERY difficult to deal with. The temporary unfreeze option at https : //www.experian.com/XXXX DO NOT WORK. I was forced to go through Experian XXXX in order to unlock it. But once I unlocked it, it's requiring me to pay money to lock it again. 

I have tried calling them at their listed #, XXXX, but no matter what options I choose, I can not get to a human being and the system hangs up on me. It's very frustrating. 

Experian is holding me hostage, trying to make me pay to freeze my report again.

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 2017-09-24
Company: DISCOVER BANK
State: RI
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: Card was charged for something you did not purchase with the card

Complaint:
When booking a flight through XXXX, I was subjected to a misleading booking incurring charges that I did not approve before clicking the box to buy the airline ticket. After the ticket was bought they charged my credit card {$70.00} in addition to the flight tickets??
When I brought this to the attention of Discover Card, they gave me a hassle and the next day sided with their much bigger " client ''. Everyone knows that XXXX has the best record in protection consumers from fraud or misleading selling practices, and apparently companies like Discover could careless, and need to be called out XXXX is lying to them, saying I approved their " travel related assistance ''. This is XXXX. We were booking a flight just like on any other online sight, then they declare they are a travel agent? They should spell this out up from and itemize their fees to consumers because we select " Buy ''. Because if you read all their poor reviews, BBB and many others, when you see their fees after booking and go to cancel ( within 24 hours ) they charge you a cancellation fee and change flight fee. They also intentionally book wrong days ( did it to me last earlier this spring..I thought it my fault until I read other consumer reviews ) I am saying as a consumer they need to disclose their fees up front, especially the " travel assistance fee which is vaguely hidden, but vaguely disclosed under the terms and conditions. This was not asked for nor was it approved. These companies are very sneaky with very confusing websites, done intentionally I 'm sure Discover has customer service attendants that do n't have to common sense to analyze and see deception and miss-leading consumer practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: NC
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:
Equifax, XXXX and XXXX XXXX are reporting inaccurate information on my credit report. Someone has used my personal and private information to obtain credit.  XXXX XXXX XXXX/ XXXX. Opened, XXXX XXXX, 2017 collection account XXXX.  XXXX XXXX/XXXX XXXX, opened XXXX XXXX, 2017 collection account XXXX.  XXXX XXXX XXXX/XXXX XXXX, opened XXXX XXXX, 2017 collection account.  I have never had any account with these companies and this information has been placed on my credit without  any proof or validity.  
§ 609. Disclosures to consumers [15 U.S.C. § 1681g]
(a) Information on file; sources; report recipients. Every consumer reporting agency shall, upon request,
and subject to 610(a)(1) [§ 1681h], clearly and accurately disclose to the consumer:
(1) All information in the consumer's file at the time of the request, except that nothing in this
paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any
information concerning credit scores or any other risk scores or predictors relating to the consumer.
(2) The sources of the information; except that the sources of information acquired solely for use in
preparing an investigative consumer report and actually used for no other purpose need not be
disclosed: Provided, That in the event an action is brought under this title, such sources shall be
available to the plaintiff under appropriate discovery procedures in the court in which the action is
brought.
(3) (A) Identification of each person (including each end-user identified under section 607(e)(1)
The credit bureau refuse to respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On coinbase XX/XX/XXXX I sold I bitcoin at an exchange rate of {$12000.00}, {$190.00} in fees, {$12000.00} was supposed to be credited to my US $ wallet. I also sold some other digital currency in order to reach my daily {$15000.00} trading limit, which all cleared as normal and was able to wire those funds out of my account. My bitcoin is deducted from my account but the funds as of XX/XX/XXXX have not been credited. The transaction shows pending in history, but complete in my bitcoin wallet? I have filed numerous cases with XXXX and have not received any valid explanations, only automated responses. The email address they say to send requests for assistance to are disabled and, they claim no-one over the phone can help with deposit or wire issues. I have tried to contact them on XXXX, spoke to a rep on XXXX who never responded after I gave him my case id. My coinable case id # XXXX, the original transaction reference code for this transaction is XXXX. Also there is the tax issue I 'm not sure how to handle sold in XX/XX/XXXX but still have not received my funds in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last month I received a statement stating I was late, behind in payments. I called and they had applied a payment to principle. It took a couple days but it had gotten fixed. well I thought it did. They took my next payment and applied it to that month. I have called 4 times now trying to get this fixed. I have even had a supervisor call me back it was supposed to be fixed by XX/XX/XXXX. It has not been fixed. When I call I'm on hold for over an hour. Which is not expectable especially when I have a job and cant afford to be off the clock for an hour. I have sent them support messages and have not received contact back in regards to this. They need to take my payment from the principle and apply it to XX/XX/XXXX's payment. I'm really worried they wont fix this and it's going to report to my credit I'm late. WE ARE NO LATE. Every time we call they say will fix it. Give us a couple days. I want it fixed now it has been over 20 days now that I have called 3 times this month. Currently I'm still on hold it's been one hour and 21 minutes.

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 2019-07-29
Company: Lendmark Financial Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am writing this complaint in regards to Lendmark Financial. Lendmark completely violated my privacy by contacting one of my references, and telling that person personal information about my account status. Lendmark didnt even try to contact me or myself, who are both on the account. This is absolutely unacceptable and should have NEVER happened. 
Furthermore, I have already told this company that Im in the process of filing bankruptcy. 

Ive attached the text message received from thw reference that lendmark contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Worldwide Processing Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX i received a call from XXXX from the number XXXX, the caller said he was calling about a debt from XX/XX/XXXX and when i asked for more info or to send me something over the mail he laughed and it said i was in position to demand anything and they were going to sue me. I hung up and then he called my employer asking him how it was possible he would employ someone like me? I called them again and he just said he had every right to do what he did because he called my work number and not my personal number. A guy by the name of XXXX EXT XXXX promised to look into the issue and all he did was have the first caller call me again to work, thats 3 times in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
Bank of America is still reporting me to the credit bureaus agency on missed late payments over 120 late. I have filled a dispute many times due to fraud and the reporting agency witch is Bank of America has agreed to delete and remove the account and any remarks they have reported, unfortunately they are still reporting me and its affecting my credit report with all 3 credit bureaus and I would like it all to be reviewed and removed. Thank you for your time and your patience have great day

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 2018-01-10
Company: The Outsource Group, 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: Account information incorrect

Complaint:
Following an emergency visit to the XXXXXXXX XXXX XXXXXXXX XXXX in XXXX North Carolina it appears their bill collectors sent a medical bill in XX/XX/2016 to XXXX XXXX in XXXX  XXXX, Mo. Upon servicing this account it appeared the had the wrong City on the mailing address and as time expired wit their practice they decided to post a collection on my credit. Upon contacting them and settling the debt in XX/XX/2016, XXXX continued to report the debt as unpaid which adversely affected my credit for another six months after the satisfaction date. After calling numerous times and requesting the debt to be removed, I had to escalate to a manger named Mr. XXXX. This person basically told me they would keep the bad collection on my account and never remove it. He also said that all he would do is update the account so it reports as closed and satisfied. Upon receive it appears that Mr. XXXX not only closed the account he also posted fraudulent reporting on my credit by showing the account was included in Bankruptcy and that it was handled through a court trustee. Both of these are incorrect. I have never been in Chapter XXXX nor court appointed trustees. In review it has affected my livelihood by tarnishing my mortgage license and every XXXX I have to have a review due to their in accurate reporting. I have spoke to XXXX XXXX again and he basically acts like its no big deal and does not see an urgency in curing the problem. Can you please 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 explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE 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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX {$160.00} not mine XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX {$2500.00} not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXS XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXI XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized PUBLIC FILING   BANKRUPTCY : CH-XXXX XXXX not mine

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 2018-01-10
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:
On XXXX XXXX I sent the credit bureaus certified dispute letters of errors that was on my report and asking them to verify these items and send me proper verification. I have not received verification or validation of these accounts. I only received a copy of my report no action was taken and it has been well over 30 days which is prohibited by Federal Law

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 2018-01-10
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After 5 years living at XXXX XXXX XXXX, and suffering from dirty water coming through the shower, and my many attempts to get this corrected even through the corporate office and they, not responding to my request. The manager decided to not renew my lease and I was ask to leave, ( and this, all because I was concerned over my health as it relates to the filthy water ) so, as requested I left. 
The next thing I knew the app asinged a fraudulent case to Hunter Warfield to collect what they are now claiming I left owning, {$2600.00} ( WHAT?? ) I owe no such thing and, Hunter Warfield has slandered me on all three credit reporting agencies, this in nothing short of fraud, illegal, defamation and I am encouraging CFPB to fine both Hunter and XXXX XXXX at XXXX XXXX XXXX XXXX dollars for their fraudulent activity against me. Futher, The app complex knew of my medical condition ( XXXX, and XXXX ) and made no effort to conciser my financial difficulties, no, instead, they harassed me into purchasing renters insurance before I had a chance to shop around for the best price. They also sought to harass me by ope
ning my garage door both while I was sleeping at night and also while I was away, all illegally. And they did this because I had told them I had some pipes that came off of a wagon my great grand father owned 140 years ago.

Therefore, because of this fraudulent activity I am filing this complaint with CFPB and I am also preparing a press release and also a law suit if they continue this erroneous and non sense activity against me.

As I have stated, these companies needs to be fined.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation