BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: Upstart Holdings, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan at UPSTART company, then they asked me to provide the college degree. I provided my college certificate which was issued by original country XXXX, but the UPSTART said the XXXX XXXX XXXX education degree disqualified me from the loan. I felt I was doing something wrong providing my original national country which made feel a bitter type a very discriminatory treatment due to my national origin. I am planning to sue to this agency for their unclear and unjust treatment for while trying to get the simple loan. I am naturalized US citizen and admitted into XXXX and am still working to get my college degree from my XXXX  college in town. Please, advise what I need to do as I am clueless on how to deal or sue this company for their discriminatory treatment for me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XX/XX/XXXX, I received an UNSOLICITED offer from UPROMISE BY XXXX, for a MASTERCARD. This card is issued by Barclays Bank Delaware, XXXX, Delaware, FDIC. The offer clearly stated that if I used the card for a purchase within the first 30 days, I would receive a {$100.00} CASH BACK reward. I did make a purchase, and did pay the UPROMISE MASTERCARD for that purchase. Now, many months later, and after making repeated calls, I still have not received my {$100.00} reward. 

In response to a complaint I made, I did receive a letter from Barclays Bank Delaware, dated XX/XX/XXXX, acknowledging that I met all of the requirements, and also stated " ... I have confirmed that Upromise has mailed a check to you in the amount of {$100.00} and you should be receiving it shortly. '' THEY LIED ; As of this date I have never received a check from them!! Barclays Bank is an FDIC bank. Can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Personal Finance Center
State: GU
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
notice of sale of mortgage was issued by Personal Finance Center, I approached the company and inquire if a payment plan could be done, the VP herself said that they don't do payment plans and the amount in arrears would have to be paid in full to stop the foreclosure or walk away from the house. I was never contacted by any loan officer from Personal Finance Center to offer any assistance or options for me to make payments, no notices were given, the only notice that I received was from their attorney informing me of a date and time for the sale of the house. Personal Finance Center did not afford me with any options to try and assist me in making payments, only to foreclose on the house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Consolidated Recovery Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONSOLIDATED RECOVERY GROUP , LLC COMMITED MAIL FRAUD BY MAILING A FRAUDULENT " BILL '' TO MY PRIVATE MAILBOX. THE ACCOUNT WAS BOUGHT FROM XXXX XXXX XXXX. XXXX WAS MADE AWARE ON XX/XX/2021 THAT THIS WAS NOT MY BUSINESS, I WAS SIMPLY AN EMPLOYEE. I AM NOT THE RESPONSIBLE PARTY FOR THIS DEBT. MAIL FRAUD COMPLAINT HAS BEEN FILED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I paid off my XXXX XXXX Credit Card that was serviced by Wells Fargo Bank. I spoke to the Wells Fargo Representative on X/XX/17 and inquired why there is a finance charge of {$1600.00} on balance of {$2700.00}. He stated that my promotional time has ended and gave me some deceptive information. I informed him that i have not received my statement in mail nor any notification that the account will incur finance charge on the remaining balance. This amount is absurd and unfair. While on the call with XXXX, ID # XXXX, I paid off the entire balance of {$2700.00} and he stated that he will credit my account of the error that has occurred. I requested a XXXX balance letter for my records. <P/>So I logged online today, X/X/2017 after two days the balance was satisfied, I see a balance of the finance charge on my account. <P/>This is deceptive and they are stealing and charging me for nothing. <P/><P/>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 monetary relief
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2017-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have called on numerous occasions in regards to the information being placed back on my credit report. I explained to rep that I was not given the notice before placing these items that I do not have any knowledge of and were previously disputed back on my report. Between XX/XX/2017 and XX/XX/2017 items were removed from my credit report. I have spoke with numerous reps in regards to this matter.

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 2017-04-14
Company: Collection Bureau of the Hudson Valley, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Shortly after having imaging the Insurance requested more information. The requested documentation was sent in a timely manner. I noticed this debt appeared on my credit report in around XX/XX/XXXX XX/XX/2017 when I had a credit report ran. When I contacted the debt collector ( collection bureau of XXXX ) they said it was never paid. I then contacted my previous health insurance company ( XXXX ) they said they see on there end where they did receive the requested information from me but somehow it was never sent to XXXX to be paid. They admitted it was there mistake, apologized and then said they are no longer contracted with my previous employer ( institute for family health ) so the ca n't do anything about the claim at this point. Last I spoke with my insurance they said they received all needed information and claim would be paid. Now I have this debt that I may have never known about if I would of never had my credit report ran.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am unable to obtain my free Equifax credit report or score at all online. Equifax will not provide the report and I have no score data from them either. When I request my free credit report at XXXX, a message says that Equifax is unable to provide it and that I must send in documentation to prove my right to see my report. They want multiple hardcopies of personal identity documents in order to release my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was sent a letter from XXXX Citibank for a credit card, so a applied for said card online. Even though I exercised my rights in good faith, I was denied, which gives me reason to believe and do believe I was wrongfully discriminated against by Citibank. This appears to have violated 15 U.S. Code 1691 ( a ) ( 3 ). The denial caused unwanted stress. Also, the language in the denial letter was obscene to me, causing mental anguish and XXXX This is a violation of 15 U.S. Code 1692d ( 2 ). Full details are in my attached paperwork.

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 2019-11-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citi Aadvantage Master Card has prematurely and inappropriately disabled online access to my credit card account balances and transactions. When I call customer service, their automated system does not recognize my existing card number or my SSAN. They advised me that I can continue to use my card, but I wont be able to access my card activity online until I receive and activate my new card. They say it will take 7 to 10 business days from XXXX XXXX to receive the new card. That is a long time to be unable to monitor my card activity, especially if it can still be used. My practice is to review my account activity every day to make sure there are no anomalous transactions. 

Citi Aadvantage is consolidating credit cards under a new product. On XXXX XXXX, my existing card was disabled as a result of processing the new card and new card number. Citis information message posted on my existing account online suggests that I should be able to see my old card account online and use the old card until I receive and activate my new card ( While your account details are transitioning to the new car, you may see the same transaction appear under both cards ). That is not how it is working. The Citi Escalation Specialist ( Team ID XXXX ) was unable to explain this and confirmed that I would not be able to see my account balances and transactions online until I received and activated my new card. He acknowledged that he could see why this would be an issue for me.

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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing this due to the fact that XXXX XXXX, Transunion have reported I have an outstanding debt with. They have failed to uphold the law. 
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 ) that they have on file of the accounts listed in the credit report. Their 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 the verifiable proof, you must remove the accounts listed below.

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 2022-12-15
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account shows up on my credit report. I have not received a call, email or letter from them. Ive written them asking for validation over 30 days ago and I have not received a response and they have not removed themselves. It is currently in dispute with my credit company as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Affirm Holdings, Inc
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I accidentally made a purchase through Affirm. I immediately tried to cancel. Both the ticket place ( XXXX ) and Affirm were closed, so I sent e-mails to both companies. I searched for hours on their sites and Apps to find contact info for these companies. Neither one had them. Unfortunately I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Once the XXXX was under control I researched online and found a phone number for Affirm. I contacted them and spoke to XXXX. He told me I needed to wait a week to hear back from the XXXX place. I explained my situation and told him the money taken out of my account was my rent money thats due in 2 days. I was told there was nothing he could do to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The entire process with AmeriHome/XXXX has been a complete nightmare which is coming from someone who works in the industry. Following the submission of my initial package, I was told that I had missing documents when I submitted everything as stated in the package. They asked for different documents than were required in the loss mitigation package stating that I was missing documents then they also asked for additional documentation that was not requested in the original ( for a {$200.00} annual HOA bill ). This lack of knowledge and understanding in regards to their package and what was needed pushed the entire process out for another 30+ days.I have also requested to speak with supervisors on numerous occasions who send the customers to voicemail and do not return phone calls. 

Furthermore, I was completely current until the modification trial period which lasted for 4 months and in all the entire process took over 8 months to have finalized and completed. There were also issues with my final documents that I had to point out to them as they were incorrect which then caused more delays in completing the modification. 

I was also charged an additional {$370.00} at the end of the modification which I paid in XXXX. However, still in XXXX, it is not showing as rectified and paid on my bill even though I have called numerous times and spoken to multiple people. I continue to be told it is taken care of and that they misapplied the fee, but it continues to show as overdue on my statements. When I called on XX/XX/18 because the fee was still show due even when it was paid, the represented was rude and told me that the {$370.00} were late fees in which I replied that I was completely current on my mortgage and that the {$370.00} she was referencing in late fees only came during the trail plan which was all paid on time. She continued to arguing with me telling me that " this was the default department and if I got a modification then I was not current ''. I told her based on my pay history I was clearly current up until the trail plan for the modification started which was the only thing that made me incur any late fees. She continued to tell me that the " late fees were based on the investor ''. However, my investor is XXXX whic the requirements of fees are clearly outlined " The servicer must not charge the borrower administrative fees. The servicer is authorized to assess late charges during the Trial Period Plan. The servicer must waive all late charges, penalties, stop payment fees, or similar charges upon the borrower 's conversion to a permanent mortgage loan modification. ''

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 2021-06-15
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
a debt validation letter was sent to you on XX/XX/2021 and have yet to heard a response, please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Incorrect address reporting on my credit profile. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. All other address need to be removed immediately. These inaccurate address on my credit profile create identity theft risk and mail being delivered to wrong person.

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 2019-12-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was notified on XX/XX/XXXX that I was the victim of identity theft and that my Chase bank accounts could be compromised. I notified Chase immediately to put fraud alerts on my account as well as change passwords and put restrictions on account etc. I was assured my money in my savings account and checking would be secure. On Friday XX/XX/XXXX, a an unauthorized withdrawal in the amount of XXXX was made in person in a bank in Indiana. I only found this out when I checked my daily balance on Sat XX/XX/XXXX morning. I have filed a claim with Chase and now have to wait 10 business days for my refund. I have also had to shut all accounts associated with this account down. Tis not only has caused a huge inconvenience but begs the question how and why did Chase allow this to happen?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Park Hill Holdings
State: TX
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 XX/XX/2020 and then again on XX/XX/2020 SAFERENT SOLUTIONS LLC made hard inquiries on my credit on behalf of XXXX XXXX. They were not authorized to pull my credit multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: PA
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:
Incorrect address reporting on my credit profile. My address is XXXX XXXX XXXXXXXX XXXX pa  XXXXXXXX XXXX XXXXXXXX. All other address need to be removed immediately. These inaccurate address on my credit profile create identity theft risk and mail being delivered to wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
the following accounts appear on my credit report, without any authorization, it is hurting me, please review them XXXX XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
CAPITAL ONE BANK USA N.A. 
Account Number : XXXX This is not mine. 
XXXX XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
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:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.

Company response to consumer: Closed with explanation