BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-26
Company: Lending Club Corp
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lending Club, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX : Lending Club pulled a credit report without my consent and without giving them any information other than clicking on the website and using their rate calculator. I did not request a quote. I did not give them my social security number. I don't even have anything I need a loan for. In fact, I was just trying to see how much monthly payments would be for a friend who needed a loan. Sense I was not looking for myself I obviously did not request a loan. 
( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ( phone number not available ) XXXX XXXX : XXXX XXXX illegally purchased my information and pulled a credit report without my permission. 
( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX phone : XXXX XXXX  XXXX : XXXX  XXXX pulled a credit report after illegally purchasing my information. I never clicked on their website. 
( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) XXXX XXXX  : XXXX pulled a credit report. I never clicked on their website. I used to have a XXXX credit card that I opened when I was an employee for XXXX back in XXXX. The credit inquiry was pulled on XXXX ( C/O XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : XXXX XXXX Pulled a credit report after illegally purchasing my information. I don't even know who they are. 




XXXX XXXX XXXX : I did not request anything from this company. 
( XXXX  XXXX  XXXX, XXXX, AL XXXX phone : XXXX I never gave any of these companies my social security number, I never signed a form giving them permission to pull a credit search, I never requested a quote, nor did purchased anything from them. I don't even know who these lending companies are. All I did was click on ONE and they hack into my computer, stole my information and sold it to other lenders. I had to put a freeze on my credit because of this. These practices are deceptive and hurt your credit score. I would like justice please. I contacted Lending Club and they said they don't know who pulled the credit reports from their company and they can not help me ( run-around ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX. XXXX companies ran my credit without my authorization. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 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 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes

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 2021-09-26
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I requested information from WELLS FARGO AUTO to validate alleged debt, and I have since been ignored. I sent them a cease and desist on XX/XX/2021 and asked that they provide me with the required documentation per federal law so that I can verify and validate the debt they are alleging I owe. My rights were violated several times even after they were in receipt of my letter. I have been harassed by WELLS FARGO AUTO over the phone calling me over and over again and they have sent letters claiming that they will steal my property if I don't pay them. This is a blatant violation of consumer rights. They have also reported this to credit agencies and I have been denied credit as a result of their reporting false information and un-validated debt. I've sent them notice along with an affidavit of truth on XX/XX/2021, to which has gone un-rebutted and ignored. I have also given them another notice on XX/XX/2021 both with return receipt so I know that they got it. They have now cost me thousands of dollars as well harmed my reputation with other companies that I want to do business with.

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 2016-09-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Provide me with proof of precious payoff, releases and truth in lending statement or release the lien on my house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My complaint is being found because TransUnion has been caught in several lies and they are now discriminating from allowing me to utilize my credit on Friday XXXX the XXXX I received a response back from The following complaint XXXX XXXX XXXX XXXX XXXX XXXX stating that the information on my credit report did not exist .... However, please explain to me how it does not exist when all the information was attached to that complaint form I also received a letter back from TransUnion on XX/XX/2022 stating that the XXXX recovery was removed from my transition account which was after the complaint was filed XXXX XXXX XXXX XXXX so again explain to me when was all of this removed from off my credit report because it was not removed until after the complaint was filed therefore you can see the lies that TransUnion is telling

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 2022-11-19
Company: CATHAY BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, a staff named XXXX called me from Cathay Bank regarding my account, the balances inquiry, etc and the rep told me he will send me the detailed bank statements, saying that the bank has some returned items from the post office and wanted to know if my address was correct. I gave him correct address and he hung up on me. After few minutes I tried to log back in my account, and was unable to as I was locked out. 
I called the bank again and they would not tell me why I am unable to log in. 
Then I tried calling their back office line, and someone named XXXX told me that my account has been closed by XXXX. I was totally surprised and horrifed! I literally just spoke to him and he never mentioned to me that my account has been closed. XXXX then transferred my call to XXXX at XXXX branch of Cathay Bank, he told me that due to my nationality and amount of balance in the account, they decided to close my account, and this bank is just for XXXX /XXXX  XXXX. I was shocked! 
I just couldnt believe it. I also asked about my balances not correct and wanted to see my bank statement, he declined, XXXX told me he can not send me the bank statements. I strongly feel like this bank is hiding something, not been forthcoming and very unprofessional!. I would like to see my bank statements and the balances in the account was incorrect, the bank is owing me money which they are refusing to pay back to me. 
The bank owes me around {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got this negative item from this unknown company to show up on 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 2015-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Purchased a XXXX Volkswagen Jetta Sedan, used, VIN : XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 
Phone : XXXX. 
Purchased Mechanical Failure Service Contract dated XXXX/XXXX/XXXX for {$1600.00}. Issues with car from onset of purchase. Was told at time of purchase to bring back to dealership with any concerns. Did so, was informed the XXXX individuals that assisted me were no longer employed. They could not assist me. They wanted me to trade the car versus assisting me with the utilization of the warranty. 

Well due to mechanical issues and such, I have requested Capital One Auto Finance pick up the car as a XXXX repossession. This was done on XXXX XXXX, XXXX. The automobile insurance has been dropped and the tags returned to the state, but the car is still sitting in my driveway. 

Capital One states there is a legal issue in picking up the car as a XXXX repossession. I feel there was a breach of contract in the mechanical failure service contract. 

Please assist me in resolving this issue and understanding why the service issues were ignored by XXXX XXXX XXXX and why Capital One will not repossess the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: KS
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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX, Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX Account Name : 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

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 2021-09-26
Company: CAINE & WEINER COMPANY, 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: Problem with personal statement of dispute

Complaint:
I sent a validation letter to this collection agency twice requesting validation. The most recent validation letter was presented to this collection agency XX/XX/2021. The letter requests validation within 30 business days. I have yet to receive the validation and they are continuing to report negative information on my credit report with all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Servicing , Inc mailed us a mortgage statement/coupon without any mortgage information on it other than their address, our property address and loan number. There is not even an amount or a date due on the form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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:
a lot of information is invalid on my Experian credit report. I am disputing all incorrect information to help clear 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 2017-02-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX owns loan. Select Portfolio Servicing services this loan. Debt & loan in Ex husbands name. I paid cash & owned the house. Due to me cosigning the loan. He lost his job and is in the arrears ( court ordered ) to me. SPS has a sale date on the house set for XX/XX/2017. 
I called a lady at XXXX today-XXXX @ XXXX ext XXXX. 
She said she ca n't help but told me to file this complaint with you as I have ask & begging SPS to open an Assumption Loan/ Simultaneous Loan Modification Review with reduced payments based on my XXXX income. PLEASE HELP!!!!!!!!!!!! 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My 2 mortgages were transferred to a different mortgage servicer and on both I was informed I was 3 payments behind & over {$8.00}, XXXX in escrow shortages. I am being made to pay p & I & 2 escrow accounts. Needless to say I have fallen behind and now they will not accept my payments. I do not want to lose my home nor the rental home I have which was part of my livelihood, now a liability, can you please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Experian Information 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: Their investigation did not fix an error on your report

Complaint:
I have disputed to have this account deleted from my credit report multiple times. 
The account was with XXXX XXXX XXXX  XXXX. 
The amount XXXX has been written off. 
Also the account is closed. 
Experian refuses to delete this from my credit report. 
The investigation did not last 30 days. 
I received my recent dispute investigation within 3 days. 
Experian is not investigating my disputes fairly.

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 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am by no means trying to get out of paying my loan, I borrowed money, I want to pay it. I have called multiple times within the past two years trying to set up a lower repayment plan. I was told that I was as low as I could go. They told me forbearance was the only way in which to proceed. I wanted to pay {$18.00} less a month and they said no. Is n't paying money better than not paying any money. Additionally, why do you not taking into cost of living when considering the repayment plan. I have gain a lot of interest when I would n't have if they were willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have reason to believe my bank is structuring my transactions in a way that generates maximum overdraft fees. In the past three months, on at least XXXX occasions, I have been hit with as many as XXXX overdraft fees on transactions that could have been covered if the bank ordered them smallest-to-largest, or even if they took place in chronological order. The bank now wants me to switch to a savings account that would refuse to honor the purchases XXXX but which would mean I 'd receive fees from the company I was attempting to pay ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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:
I had a XXXX XXXX card for several years.I went into store purchase a product and I believe I updated my information.I was told I would get replacement in the mail.I did receive the product by my bill was sent to the wrong address.My credit score went from XXXX to XXXX because they put me as delinquent when they were at fault for sending the bill to wrong address.Im XXXX  and XXXXI also have XXXX XXXX XXXX doctors who's cares I'm in.I also been recently diagnose with XXXX XXXX and XXXX has been trying to get my XXXX XXXX under control.Thiis had put extreme pressure on me and could possibly affect my ability to remain in senior place due to low credit score.I talk with XXXX they said XXXX XXXX is at fault.XXXX XXXXXXXX  said there at fault.I just need help pls being XXXX  and XXXX  to remove this no fault delinquent report off mu credit report please help me .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 explanation
Consumer complaint received 2022-11-19
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
I found unauthorized charges on my American Express credit card. I had automatic payments set up for the card, therefore all the charges were paid. These charges were from XXXX. I called XXXX, about the charges. XXXX told me they knew who made the charges, but could not tell me because of HIPPA. I was told I had to dispute it with American Express. On XX/XX/2022 I disputed the charges. The charges were reversed. On XX/XX/2022, I called American express and asked for a refund of the fraudulent charges. As they were paid for by my automatic payment. I was told they would send out a refund check. After that conversation, all the fraudulent charges were put back on my account. I was told that I called on XX/XX/2022 and told American Express that I wanted a refund, so a check was mailed out. They said on XX/XX/2022, I also told them that the charges were legitimate, and to close the fraud case. They are now saying I owe them {$660.00}. Please, I am a XXXX XXXX and I need help.

Company response to consumer: Closed with monetary relief