BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-15
Company: Lending Club Corp
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have had continual issues with a company called Lending Club Corporation. They are located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. They had sent me an email stating I was denied credit on XXXX/XXXX/15. I received that notification on XXXX/XXXX/15. I looked up this company to see if they were legitimate, XXXX stated they were and supposedly they have a A plus rating with the XXXX. However when I wrote to them to tell them that I did n't apply for any loan they stated that if I felt like I was a victim of fraud then I needed to file with the FTC which I did, file a police report which I did and do an affidavit so they could share only with the police dept. When speaking with the attorney generals office, they said they can understand not speaking to me, but their stalling tactics with speaking with the police department raise a red flag. They were mailed an affidavit with all the info they required including my license and a utility bill. The were faxed the affidavit which they supposedly ca n't find and they were emailed the affidavit where I forwarded it from what the police dept sent me to their consumer advocacy group that required it. They continually get my affidavit yet they claim they do n't see it yet they did get the officers police report as they called him to tell him they ca n't discuss anything until they get the affidavit. I 've sent it 3 times to the address above attention fraud dept. they have it via email. All they do is stall and play games saying they do n't have it when there 's proof they do. They seemingly do n't want to speak to the officer either by using these stalling tactics. If they 're Legitimate and are n't phishing for info themselves then why are n't they sharing who applied for a loan in my name? Need help getting them to talk to the XXXX mass police officer that did the fraud report up. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
In several different occasions I have tried retrieving my credit report via Experian and Annual Credit Report and every single time, Experian denies my request. Today, I signed up for XXXX XXXX XXXX, and I found out what the issue is, Experian has incorrect information on my credit report, incorrect DOB, incorrect Address, incorrect everything!!!! If I try to pull my credit report, using both the correct and incorrect information they have on my file, it is the same thing. I even tried uploading my documents via XXXX and the page is not working. Furthermore, I have tried calling the XXXX number, but it is impossible to get through a rep. Please assist in Experian providing my credit report, remove the incorrect information and remove the fraud alert that was placed on my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Violation of fair reporting.ocu-validation, permissible violation to non legal agencies about consumers.

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 2021-07-03
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$950.00}

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 non-monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX Rec Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXXi Account # XXXX, XXXX Loan Account # XXXX XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: KY
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:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : Chapter XXXX Bankruptcy / XXXX/ {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian is reporting my private information without verifying the accounts being reported. This is is in violation of Section 609 of the Fair credit reporting Act.

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 2022-04-12
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
American express did not give clear info on credit reporting. Signed up for a payment plan to make account current. Account became current on credit report now shows delinquent although Amex informed me that my account would no longer report as delinquent because my payments are automatically Withdrawal. Account went delinquent again and they refuse to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: MS
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My wife and I have an account with Capitol One. Recently we are receiving unknown -- caller ID number calls ... XXXX. A recording states to call Capitol One. No names or reason. When called, was told wifes account was late. We said OK, but stop the collection calls. Capitol One refused to stop calls till account is current. These calls start around XXXX XXXX till XXXX XXXX. Weekends and holidays when their office is closed. This harressment will NOT help our finances pay faster, and only adds to our frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: LA
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
US Bank changed our loan without telling us and we didn't know until were sitting with the title company ready to sign. They made the loan bigger with less down payment than we had previously agreed upon without any disclosure. the loan officer told us in order to get it through their under writing process it had to be a Bigger loan amount. This is very shady process and makes more money for them.

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 2022-08-17
Company: DISCOVER BANK
State: VA
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:
Hi, I applied for a Discover it card in XXXX last year. The card arrived on XXXX XXXX but I went on a vacation on XXXX XXXX so I missed the mail. 20 days later when I got back, I couldn't activate my card. I contacted the customer service, and they said that my account was closed, and I can only apply for a new card in the future. 

Recently when I applied for a new card at Discover, I was declined and the reason was 'insufficient credit score '. I have no other credit cards and only have applied at Discover, so I assume that the inactivated card affects my credit score.

On the Discover website, it says that Your card issuer may contact you if you havent activated your card after a certain amount of time ( typically 45 to 60 days ). That's far longer than 20 days, and I was never contacted by any means. My account is directly closed without warning, which severely affects my credit scores. I can't get a credit card now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Comenity bank issued me a low balance credit card for Torrid, which is fine because it's easier to use/pay/repeat. Comenity bank recently updated my available credit after payments, and would not allow me to use the available credit. First telling me I was late until I pointed out that I don't carry a balance as I pay each pur have when it's available to do so. All the reps and the supervisor would do is quote a non public policy of having to wait 10 days between making a payment before the card can be used. I read the t & c which don't state anything about this, I even read through them again while I was on the phone in case they were updated. Comenity couldn't tell me where to find this information publicly either. I also pointed out I have used the card, paid it, and used it again once the balance updated. All they would do is quote a policy I am unable to view publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX. 2022 - I would like to file a claim of discrimination. The organization received my personal information and acted as if they were a fair and non discriminatory program. However, after immediately applying I was ignored, made vulnerable and denied assistance while my white non disable peers were fully awarded and with ease! 

North Carolina XXXX XXXX XXXX leaders are giving payouts to friends, family and those near them while overlooking others. 

There are claims that investors are being made aware of delinquent owners waiting for them to default to make profits : ( its a cold world

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 2022-10-14
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/XXXX I purchased a visa gift card for {$500.00}. In XXXX of XXXX I tried to activate my card to use it to find that someone else had falsely registered it and used {$490.00} of the fund. I called and spoke to VISA who informed me to send in all documentation they required and a copy of the card which I did on XX/XX/XXXX, but had to refax over 3 times for them to " receive it ''. On XX/XX/XXXX I was mailed a letter that they investigated the claim dispute and I was entitled to a new card replacement with {$490.00} on it. To date ( XX/XX/XXXX ) I have yet to received a replacement card. I have called over a dozen times to be told that there is an error in processing and to call back in another 3-5 days. Each time I am given the run around, or told that I could not speak to a supervisor, and placed on hold for over 30+ minutes, or simply hung up on. This is a lot of money to me and my family and it has been nearly a year since I bought the gift card, 10 months since I started the dispute, and 8 months since I received a letter from them that stated they owed me {$490.00} and would be sending me a new card. I am very frustrated, my patience has run out, and I am tired of the run around. I need some help to be able to have this in time for XXXX this year. I have all documentation, 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 monetary relief
Consumer complaint received 2020-03-28
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DATE:XX/XX/2020 AMOUNT : {$1100.00} CALLED THE COLLECTION AGENCY AND INFORMED THEM THAT THE ACCOUNT WAS NOT MY ACCOUNT AND THEY SAID IT WAS NOT ANYTHING I COULD DO ABOUT IT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I, XXXX XXXX XXXX sent communications to BMW FINANCIAL SERVICES XXXX XXXX certified mail # XXXX, it was delivered on XX/XX/2022 at XXXX. In my communication, I requested validation of debt pursuant to FDCPA XXXX XXXX Code XXXX ( g ). BMW FINANCIAL SERVICES did not respond to my communication pursuant to the above law, instead on XX/XX/2022 they sent out a computer generated letter, subject " CREDIT REPORTING ''. In my debt validation letter to BMW FINANCIAL SERVICES I listed the what was required to validate the debt pursuant to the law, BMW response was the dispute I submitted did not contain specific details or documentation demonstrating an error. I'm not sure if there's another version of XXXX XXXX XXXX XXXX ( g ) and its requirements for creditors. I am writing this complaint to get some resolution, because there's numerous violations associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
During COVID PHH Mortgage offered forbearance plan. 
Ended it with company XX/XX/2020. 
Agreement to have amount added to end of loan. Payments were current. 
They continued forbearance till XX/XX/2020 without my permission. Now they want all forebearance payments up front, did not honor agreement on recorded phone call agreement, no requested documentation received. 
Reporting scam, will now affect my credit and cant pay all during XXXX recovery. Pursuing lawsuit please assist and advise as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
About XXXX ago i had received and credit card application in the mail from XXXX XXXX for a promotional card that gives prime for life as an interest % a few years later the bank was bought by Chase Bank so i called Chase Bank and was going to close the account but was advised by Chase that they would honor the prime for life card, that was about XXXX years ago.Now i find a charge for {$98.00} bank fee. so i called them and was told that my chase freedom card now has that fee because of my prime for life. if you check their website will will see that the Freedom card has no annual fee. So it seems they targeted me because of my low interest rate they they gave me. Also how can they charge an fee for a card that they advertize with no fee. sounds like discrimination to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Experian has an incorrect address for me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA. 
I have never lived at that address and never sent mail there. In another profile section, Experian had my correct address of XXXX XXXX XXXX XXXX, XXXX WA. 
On XXXX XXXX, 2016, I advise the Experian dispute department of this over the telephone. They refused to open a dispute file claiming XXXX Bank, issuer of a XXXX XXXX XXXX credit card had that as my address. Further, tehy stated it was their " policy '' to require the consumer to call the issuer. XXXX did have that as an address fro me but not from me, but from the Experian report they ran. I did not know of the mistake. 
Experian stated it was their " policy '' to make the consumer correct the mistake with the issuer. I stated that they must take the dispute unless it is frivolous and it was not frivolous as they have XXXX conflicting current addresses for me, and I was advising them that the XXXX XXXX address was incorrect. 
I was forced to call XXXX Bank fraud who made the change and stated that they got the address from the Experian credit report. 

Experian 's " policy '' shifts the burden of investigating a dispute under the FCRA from the reporting agency to the consumer, and contradicts Experian 's obligations under the FCRA. 
No other reporting agency refused to allow a dispute. 
if it is is a policy of Experian to refuse address disputes, then there are likely countless other consumers to which they apply this policy. 
The correct procedure should have been to take my dispute information and open an investigation, allowing the consumer to also call the issuer. 
Experian has " security '' questions to access my online account with them. The questions contain incorrect information on lines of credit, mortgages and other information. Experian does not have a method to allow the consumer to explain or dispute the security answer, claiming that they are generated from the consumer 's credit report. However, if Experian incorrectly inputs information, the Experian system locks out the consumer from his own account. In addition, Experian refuses to address or allow a dispute of the errors.

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