BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a letter from Fedility and invite me to open their Fedility rewards credit card. The letter said if I spend {$1500.00} in eligible net purchases within 90 days of account opening and will earn {$150.00} cash back.

I did what they requested however still do not see the {$150.00} cash back ever been paid. I contacted their customer service couple time but never get a response when I will receive the bonus.

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 2017-11-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Today XXXX I called Navient to inquiry about my loan, spoke to several reps who clearly do n't know what they are doing. Was transferred multiple times and simply could not get answers. Each time before being transfered was informed wrong department. This is unacceptable by all means. Called to ask about how payments are being allocated as my balance shows {$180.00} yet I have an extended loan term along with automatic payments of {$210.00} a month. I agreed to extend the terms which is ok with me but for my account to show all kinds of different amounts yet my total balance never changes is very deceitful. I would like someone in writing and requested it for Navient outlining what I am paying for the life of all four loans. I have yet to receive it. I originally requested this information in XX/XX/XXXX with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I tried to open an account on XXXX in which I needed to sync my bank account with the site. 
I tried and received an error, stating that I should call my bank because they were blocking access. 
I called TD Bank and they said they will not allow me to grant access of my account to any 3rd party. 

I do not understand this as it is my account, which I should be able allow who can view my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Contacted transunion XXXX and transunion about a few inquiries that I did not authorize. Most came from when I purchased my car.But both of the companies told me to contact the companies individually, I have no relationship with any of these companies, and its their job to make sure everything on my report is correct and they have failed to do so even after I called to inform 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 explanation
Consumer complaint received 2020-12-23
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a Email falsely stating that owed {$460.00} to LVNV Funding LLC that I have from a credit card with the XXXX XXXX XXXX on XX/XX/2003. First of all, they claim a address that I never lived there. Second of all a date that I never applied for that credit card. According to the Email sent, they have an account with XXXX XXXX # XXXX XXXX XXXX. 

Perfectly clear this is definitely NOT ME. 
Please I need this claim to be removed. 
Thank you an advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA not mine / No knowledge of the account / too many inquiries.

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 2017-10-13
Company: EQUIFAX, INC.
State: IN
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 was mistakenly reported 30 days late and 60 days late by my mortgage company due to their payment address change and failure to notify me of it. Also, the credit union had a grace period which I fell under. 

I sent a letter in XXXX asking to please have this fixed soi can buy a new home, the 2nd letter I sent certified to ensure delivery. Still have not received anything back or updates to fix the problem. 

My bills are paid on time, and I send checks via mail, this was a minor mistake on the banks part in not notifying me as well as the bureaus for not fixing this issue promptly. I need some help to get this fixed. Thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15
Company: Collection Bureau of America Ltd.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A couple of months ago I noticed that I had a negative collection item on my credit report in the amount of {$560.00}. I formally disputed this item through XXXX and requested proof of debt in writing to the reporting collection agency. 

After thoroughly reviewing the information today I realize that this was not a valid debt. I immediately contacted Collection Bureau of America ( XXXX ) and spoke to a collector who informed me that this bill was for sparkle its water. I explained to her that I have never had sparkle water and that this was not my debt. I also told her the address that she claims the water was being delivered to was a rental property of mine and was not my personal residence at the time. I made a request for proof of debt and was told essentially there was none. She then proceeded to tell me that proof of debt was not needed for this to be a valid debt and that this negative mark will remain on my personal credit. 

This is a direct violation of the FDCPA and hoping that you can help get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account is not valid and has been sold to a 3rd party, after attempts to resolve this for the amount of {$1300.00} this account still exists after numerous try 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am dealing with Convergent. They want {$4200.00}. They told me in XX/XX/2017 I do n't remember the exact date that I would get sued if I do n't resolve the debt. They should have the recording. Also I asked them to valid the debt in early XX/XX/XXXX. They did n't valid the amount. I gave them 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
This is my third attempt in trying to resolve a car title loan issue. In speaking with XXXX back in XXXX about the loss of my job, they modified the loan only I as I told them on the phone, I had no income and but was asked to pay {$1200.00} more dollars anyway. I have now paid a total of {$1800.00} on this loan and I can not come up with the remaining {$400.00}. Im asking XXXX to please forgive the remaining {$400.00} and allow me to have my car title returned as this is our only form of transportation. I paid {$800.00} of what they were asking. I am still unemployed and on welfare right now. I need this car to find work and get my kids around. I had no idea I would lose my job and it put me in this situation

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 2018-01-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
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 discovered around XX/XX/XXXX that Navy Federal Credit Union was reporting a Line of Credit loan in the amount of {$12000.00} on my XXXX, XXXX XXXX and XXXX reports that does n't belong to me. The account belongs to my mother, and sister. I never applied for nor co-signed for this loan. I was added to my mother 's account as a joint owner so that I can handle her financial affairs since she has XXXX. I disputed the account and received my XXXX dispute result on XX/XX/XXXX which Navy Federal reported to them that they were reporting it correctly. I called Navy Federal and spoke with the loan department and asked them why they 're reporting this account as if it is mine. They told me that because I 'm a joint owner on my mother 's bank account and have access to the Line of Credit that 's why they 're reporting it. I disagreed and told them this ca n't be legal and that I want it removed. They told me the only way they would remove it is if I dropped myself as a joint owner on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: ERC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
MY spouse received a call XXXX/XXXX/18 on her personal cell phone with this company stating they need a call back. They will be out to my house or work with some documents that will need a signature. Called back found out there are a collection agency acting threating to serve papers if balance is n't paid. I am also bothered they called my wife & discussed my debt she is n't even on & left a voice message on her phone threating to serve me with a wage garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: CITIBANK, N.A.
State: GA
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:
ive noticed several unauthorized inquiries on my credit profile this is an illegal per usc section 1681 which states that there must be written consent in order to authorize inquiries also section 609 of the fcra states the same there must be written this is grounds for a suit and if they are not removed by these unauthorized companies i will persue every matter in court

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( Sub # 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I purchased a ring from XXXX XXXX for a total of {$7700.00}. When going over my purchase options the Jeweler informed me that they have financing for 0 % interest for 6 months to 1 year. I told them I preferred to pay cash but would have to go to the bank, the stated I might as well do the financing to help with credit. I asked if this would be a soft or hard inquiry into my credit, and told them I was planning on opening a new credit card account so this was important to me, which they replied just a soft inquiry. Upon being approved they told me how much I was approved for {$5600.00} so i paid the remaining balance of {$2100.00}. They say I will just have to keep up with monthly payments and make sure to pay it all off before the 0 % interest runs out, I was planning on just paying it all off at once. Later I come to find out what they had done is issue me a credit card that was maxed out to the {$5600.00} and that it was a hard inquiry on my credit report. Had I known this I would never have agreed to the financing options. XXXX XXXX has basically said they are sorry and will work on informing their staff to take better precautions on how they advertise the financing. Wells Fargo was unable to assist me over the phone yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Yesterday XXXX-XXXX-19 a process server brought a summons to my house to get a response. The summons is for Arvest, however the debt is for Security Bank Card. I have never received any prior communication of this debt from this company. In fact it is still showing in good standing on my credit report. Per Collection laws they must give me prior notice of intent to take me to court. This is par for this company and I am filing another complaint on their practices as well. Also filing claim under Arvest when it is Security Bankcard center is another violation of the Collection laws. Misrepresentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Transworld Systems calls before XXXX multiple times and they are aware that I live on the west coast yet they continue to call before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: AES/PHEAA
State: WI
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:
The accounts are in litigation, the balance is incorrect. I needed them closed and not only closed but removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: DYNAMIC RECOVERY SERVICES, INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX XXXX has been calling my wife and I for a account that was charged off back in 2006, For many weeks even after we told them they do n't have the right to harass or try to intimidate us over this matter and this matter was settled over 11 years ago and a number of debt collector ago where I made a offer to settle and clear the debt and never had further contact from any other debt collectors over the past 11years ; Now the XXXX XXXX XXXX have turned even more aggressive now we asked them to stop with the phone calls every other day and night for weeks on end ; They wo n't listen to our request and could only tell us that they are the fourth debt collection agency since 2006 that wanted to collect the debt even after I told I settled this matter and to cease and desist all forms of contact on this matter for it was settled 11 years ago and to leave us alone for the final time on this matter ...

Company response to consumer: Untimely response
Consumer complaint received 2019-04-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The interest rate on this loan is too high. I almost only pay for the interest rate. I had XXXX XXXX 2018 and not able to work that much. I asked them for lower payment obtions. They only gave me loan extension. Because I cant work in XXXX as I used to before because of pain Im behind my payments. They reported to the credit agencies even I told them I had XXXX. Now I cant refinance my loan or get student loans because they reported negetive to credit bureau agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
i was XXXX up until XX/XX/XXXX in which ive filed identity theft reports from whomever may have used my info i did not authorize nor benefit from any of these thingd there are inquiries from XX/XX/XXXX and XX/XX/XXXX that are not me due to me being XXXX and this can be proven as far as my whereabouts theres cap one XXXX XXXX XXXX XXXX cap one XXXX cap one XXXX cap one XXXX i even see some recent from capital one that i did not do therefore im placing a security freeze due to whomever still having my info a cap one XXXX a cap one XXXX a cap one XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Netspend Corporation
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I did not receive my payroll direct deposit and calling the customer service department did nothing to resolve my issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: CORELOGIC INC
State: GA
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:
usc section 1681 states that there must be written authorization from the designee for any inquiries and also section 609 of the fcra states there must be signatures in order for this to be legal these are illegal practices by these companies and if not seased now i will take legal action immeadiately these inquiries are unknown and unauthorized

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