BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: Lending Club Corp
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am supplying documentation/proof that " LENDINGCLUB '' was paid in full.

Please find a copy of the check made to LendingClub. LendingClub cashed the check on XX/XX/2021. 
The amount of the check ( {$2100.00} ) satisfies the amount due at the time which was {$2100.00} ( Credit reporting rounds up to the nearest dollar ). 
I also attached a copy of how this LendingClub account is reporting to my credit. 

Please rectify the reporting balance to zero OR delete the account entirely. This is a complete error and in violation of FCRA Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Global Payments Check Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Telephone scammer trying to get people to give them their account number by impersonating a debt collector. The number is ‭+XXXX XXXX XXXX and they won't stop calling via robo call. 5 times a week usually. The plays a pre-recorded message, claiming to be "Global Payments Check Services".

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: TD BANK US HOLDING COMPANY
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:
Target denied my application for credit card. They send me a letter saying they had denied it but they did n't give me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On Monday   XXXX   XXXX   XXXX    , around  XXXX  Central Time, I called Equifax to request the removal of all dispute comments on my Consumer Report. In addition to this request, I also wanted to inquire about having a certain account removed from my report as well. After speaking to both   XXXX   and   XXXX   last week, it was brought to my attention by their customer service teams that this account met " certain criteria '' for immediate removal from my report, and they went ahead and removed it. The customer service member with Equifax told me that they could not remove this account and that it would be scheduled to be removed in   XXXX   XXXX    . I explained that both   XXXX   and  XXXX  said the account met " certain criteria  '' ( which they did n't specify to me ), a nd were able to remove it. However, the  Equifax CS r ep just kept repeating the scheduled removal date with no further investigation on her part. I asked her to transfer me to  a Supervisor, which  she did. I, again, explained the situation to the Equifa x CS Supervisor, and she proceeded to repeat the same scheduled removal date as the CS rep. She then stated that she apologized if the " other  XXXX  bu reaus '' were able to remove the account but that Equifax does not do early removals.     My biggest issue here is that I was n't necessarily just asking for an " early removal '' of an item for the sake of having it removed. I was asking for her to review the account and see if it met any criteria at Equifax that would prompt the immediate removal of the account. This could be due to an error in the way the item was reported, an error in the information provided by the creditor to Equifax, or some other Equifax specific ( unknown to a consumer like me ) qualification for removal ... however, no one there seemed to understand this, nor seemed to want to even check their sources. They just wanted to tell me, " No. '' It makes NO sense that  XXXX  of the  XXXX  major bureaus could remove this account, but Equifax can not. This is gross negligent handling of my personal credit profile and they are holding my credit sco re hostage by pu rposefully not removing an account that should no longer be visible on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have XXXX XXXX credit card account which reflect XXXX and XX/XX/2020 late payments on my credit reports.I had contacted XXXX   XXXX and fix the error and got a confirmation letter from XXXX XXXX which I sent copy of the letter to all three credit bureaus twice since XX/XX/2020, but no changes were done I am filing this complain because of negligence of credit bureaus.also attaching letter from XX/XX/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 explanation
Consumer complaint received 2021-12-09
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/21 Target Redcard debited my account for 2 payments instead of one. When I called them I was told it was a system error that had impacted " alot of people '' and not to worry they would refund the payment. On XX/XX/21 Targets system updated to reflect they returned the payment but nothing showed up at my bank. I called again on XXXX and was told it was in pending, I called my bank on XXXX and XXXX and there is still no return in pending and the money has not been returned. When I called Target on XXXX I was told they could see the refund in pending and it would post by the morning, it did not. After spending an hour on the phone with a manager today all they can do is " file an internal complaint '' and they will get back to me. I have another " internal complaint '' from XX/XX/21 that noone has responded to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted Target and paid me debt that was owed. When i paid i asked for a pay for delete. They agreed and did not removed this charged. This charge is hurting my credit. This account has been paid in full; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  is collecting an account for  XXXX . I have never had an  XXXX  in my life. I can find nothing old on my credit report th at may have  been purchased by  XXXX  ..or c hanged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a  XXXX  form dated for  XXXX  from   XXXX   XXXX   XXXX   XXXX  . in regards a   XXXX   XXXX   XXXX   account  ( cre dit card ). I have sent numerous letters all three credit bureaus and to   XXXX   XXXX   XXXX   asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,   XXXX   XXXX   XXXX   my credit report still shows a balance owed of {$17000.00}  ( this is not correct and is severely damaging my credit reports and credit scores ). I  demand action and my credit report be updated immediately. I also want a letter from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been using Care Credit for my XXXX bills for a number of years. The last time was XX/XX/2016 for {$2600.00}. I paid in the six months allowed without interest. I just had a XXXX XXXX in XXXX and the bill was {$2500.00}. The first bill was {$500.00} and Care Credit took it no problem, but when I went to put the balance of {$1900.00} on the card, it was refused. They had lowered my credit to {$1000.00}, not the original {$3000.00} they had given me. When I called and asked why, they said that I should have been sent a letter. I wasn't. They could not determine a reason. My last bill had been paid timely and my credit score is over 800. Then I reasoned, my age. The person I spoke to never acknowledged a reason. I will be XXXX next month. I put this charge on my regular credit card and sent a check for the {$1900.00} getting {$20.00} in reward points.

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 2022-04-28
Company: EQUIFAX, INC.
State: MI
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 sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
An account has reappeared on my credit file after being previously deleted. It has caused my credit score to drop dramatically.

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 2017-04-24
Company: Experian Information Solutions Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a XXXX form dated for XXXX from XXXX XXXX XXXX, XXXX. in regards a XXXX XXXX XXXX account ( credit card ). I have sent numerous letters all three credit bureaus and to XXXX XXXX XXXX asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now, XX/XX/XXXX my credit report still shows a balance owed of {$17000.00} ( this is not correct and is severely damaging my credit reports and credit scores ). I demand action and my credit report be updated immediately. I also want a letter from XXXX XXXX XXXX XXXX XXXX  N.A. stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.

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 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a  XXXX  form dated for   XXXX   from   XXXX   XXXX   XXXX   XXXX  . in regards a   XXXX   XXXX   XXXX   accoun t ( credit card ).  I have sent numerous letters all three credit bureaus and to   XXXX   XXXX   XXXX   asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,   XXXX   XXXX   XXXX   my credit report still shows a balance owed of {$17000.00 } ( this is not correct and is severely damaging my credit reports and credit scores ). I de mand action and my credit report be updated immediately. I also want a letter from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We attempted to do a short sale last year in XX/XX/2017 and we were successful in doing so, being approved by the 2nd mortgage SPS in XX/XX/XXXX. The 1st mtg is with City of XXXX and we were also working on an approval but the City of XXXX has covenants on the property that directed the Buyer to have to purchase another lot that was owned by the Homeowner. This lot is not mortgaged, but there is a standing issue regarding a fraudulent deed. We could not fix it in time in XX/XX/XXXX so the Approval for SPS lapsed. About 2 months ago, we informed the Lender that the Buyer has informed us that he found an attorney that could fix the fraudulent deed issue and it was a matter of waiting for a court to approve certain paperwork. SPS however, still moved forward with foreclosing. We re-sent the Buyer 's offer ( that was once approved ) and asked for re-approval but SPS informed us that they could not stop the auction because " the  judge is the only one that can stop it ''. This is not correct since Massachusetts is not a judicial state. We will be escalating this file every day but we need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received the loan in  XXXX  and it has been sold several times, from  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX  and no w Naviet, a nd the loans went from  Stafford t o private without me knowing, they have gone from subsidized to unsubsidized without any explanation. On the Navient website they have several loans that I am not familiar with and I feel that my loan has been paid off several times but each time it has been sold the bank adds fees to it which includes interest payments without my knowledge, I feel that this loan has been going on for to many years and bouncing around without my knowledge and I only had it in forbearance  one  time and they still continued to add fees. The history of my loan going from here to there without my knowledge with numerous interest and added fees is n't fair to me. A loan that was {$23000.00} went to  XXXX  and I have been paying on my loan since   XXXX   none stop and now I owe  XXXX  and I feel that these financial institutions owe me a refund for over paying them over the years. Please resolve this problem and refund my money and also the credits could n't be transferred to any other college so I feel that I paid all of that money for an education and none of the credits will go towards a  XXXX   XXXX  so I did n't bother attending college for a higher degree because I would of had to start over from the beginning. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
THERE WERE XXXX UNRESOLVED FRAUDULENT CHARGES MADE TO MY CITIBANK ACCOUNT. OVER {$10000.00} IN UNRESOLVED FRAUDULENT WITHDRAWALS THAT WERE MADE TO MY ACCOUNT FROM XXXX TO XXXX OF 2021, NONE OF WHICH I HAD AUTHORIZED. I HAD FILED THE FRAUD REPORT WITH CITIBANK IN XXXX OF 2021. THEY HAVE HAD ONLY RESOLVED XXXX COUNTS LEAVING XXXX UNRESOLVED AND HAVE CLOSED THE CASE. 
I HAVE CONTACTED ALL THE ATTACHED NUMBERS OF THE SOURCES TO FIND THAT ALL OF THE NUMBERS ARE NON WORKING WHICH IS FURTHER EVIDENCE THAT THE WITHDRAWALS AND FRAUDULENT. 

PLEASE SEE DATES, ACOUNTS AND FRAUDULENT VENDORS IN THE ATTACHED DOCUMENT FROM CITI.

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 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX. There is a comment related to my XXXX XXXX, it says dispute final and consumer agrees... I never filed a dispute against this card at all. please remove that XXXX. XXXX XXXX XXXX is not a delinquent account. According to their reply to my complaint against them, they gave you the correct information - this account is being paid on monthly

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 2017-04-12
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Bank Of The West Has Twice Now Refused To Send Me The Forms For Credit Card Mischarges On My Account Because They Were Charged By XXXX XXXX XXXX. The Charge Was For {$250.00} In A One Month Period Which Is XXXX My Income. I Used To Help My Neighbor With His Bills And I Found Out That XXXX XXXX XXXX And Bank Of The West Were Also Hasseling Him In The Same Regard. They Have Been A Real Head Ache All Around. I Want My Error Corrected.

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 2021-12-09
Company: U.S. BANCORP
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a XXXX XXXX XXXX truck through a dealership, XXXX XXXX, in XXXX Montana. The Dealership, at the time, used US Bank for their financing, so the loan was through US bank. I received a letter from XXXX that I had paid off the vehicle in XXXX. I am attempting to sell the vehicle ( have a buyer since XX/XX/XXXX ). In XX/XX/XXXX, I contacted US bank to ask for a lien release letter since the vehicle title says they have a lien on it. I was told it could take 15 days to process + the time in the mail and it would be mailed to me. US bank website says to inquire if it is not received after 3 weeks. After 3 weeks, when I had not received it, I called customer service and was told by staff that it had been mailed out on XX/XX/XXXX. I have the mail app through US postal service, where I can see a photo of the mail delivered to my address each day. No documents from US Bank have been delivered. After another couple weeks, I called customer service and spoke with " XXXX '' who initially told me there was no record of the loan, but was then able to locate it. She says she spoke with her supervisor who noted that I was " just at the beginning of the period when I might be receiving it ''. She also told me that because of the amount of the time that had passed, she was sending a second copy and " putting a rush on it ''. Today ( 18 days after the last contact ) I again called customer service. I spoke with an agent, who then transferred me to her supervisor, after first telling me that her supervisor " wouldn't be able to do anything about it either ''. The supervisor was unable to tell me the location of the document supposedly mailed on the XXXXXXXX of XXXX because there was no way to track it. She said there is no way to provide an e-mail copy of the letter, which is all XXXX requests to for the title. She said she assumes they sent me a letter previously and either it was lost in the mail or I lost it. She said there is no way to track whether or not one was sent in XXXX. So, apparently 2 of the loan satisfaction letters have been lost in the mail sinde XXXX? She said I must start the process all over, and it will be XX/XX/XXXX ( date provided by bank ) before I can call to receive a tracking number, since I provided my personal XXXX account number for tracking purposes. I am XXXX XXXX XXXX and retired. I have already purchased another vehicle. Not being able to complete the sale of this vehicle because I can't get a payoff letter from US bank has created a financial hardship. Once I paid off the loan, no one at US bank seems to be accountable for satisfying their end of the deal, so I can get a clear title.

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