BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: Avant Credit Corporation
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Applied for loan in XX/XX/2018 and had the following experience : 1.  Representative gave me a list of documents they needed, but wasn't specific, so I had to find and upload different documents related to the same income. 
2. Many first-line customer service reps have thick accents and talk so fast you can't understand them. 
3. On several documents, I had to submit the same document 3-4 times, despite telling the reps that I'd already provided those docs. 
4. I answered the same questions 4-5 times, e.g. " what bank does your pension check get deposited in? ". From this and other repetitive issues, I deduce that their internal processes are not thorough, nor are their people well-trained. They obviously do not take good notes from their conversations with loan applicants. 

5. They promise a decision within 24 hours. It took 6-7 days for me because of all the duplicative questions and requests for documents. 

Definitely NOT a good company to do business with. Regardless of my loan decision, I would be filing this complaint. People should not have to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: DE
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 Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-07-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I WAS A VICTIM OF IDENTITY THEFT LAST YEAR AND THERE IS AN XXXX XXXX XXXX   ACCOUNT-XXXX THAT KEEPS GETTING SOLD TO DIFFERENT COLLECTION AGENCIES. THIS A VERY FRUSTRATING BECAUSE THE ACCOUNT IS NOT MINE AND WAS BECAUSE OF FRAUD BUT IT KEEPS BEING PASSED AROUND. I THOUGHT IT WAS AGAINST THE LAW FOR DEBT COLLECTORS TO  SELL DEBT ONCE ITS BEEN VERIFIED AS IDENTITY THEFT?

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 2020-07-17
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt collection agencies keep calling from rotating numbers to collect from a XXXX Account for my daughter, XXXX XXXX XXXX, who has lived in XXXX for the past 15 years. She never had a XXXX  credit card. 

They 've called at XXXX XXXX and repeatedly during the day. Most of the number are XXXX area code, similar to my number. 

I have told them, repeatedly, that XXXX does not live here and that I am on the DO NOT CALL LIST. They continue to call several times a day. 

Recent calls came from 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 XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX other numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The numbers continue for months back, for other area codes, like XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021, I inquired about a deposit that was unexpected put into my savings account in the amount of XXXX $ . I asked for Golden One Credit Union to look into the issue. The credit union did there investigation and stated that there was nothing abnormal about the deposit. Golden One sent a letter stated that they did do there investigation and stated that the money came for us XXXX XXXX and that everything was ok. 
XX/XX/2021, Golden One froze my account took all my money and stated that there was a mistake and that another Golden One member had deposited a check into my account back on XX/XX/2021 into my savings. I tried to inquire about the issue XX/XX/2021 was severely mistreated and was told that it wasn't my money to spend in the first place and that until the money is paid my account is frozen and they seized all my finances. 
Last night around XXXX XXXX we were able to go through the automated system and speak to an individual who did a little more digging and they did locate the notice about the investigation that i did back in XXXX but nothing has came of it. 
I'm a single mother of XXXX and now I have no money and I'm emotional distressed because of golden one credit union s mistake- please help ive never had anything like this happen before

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 2018-07-18
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received a notice from Bonneville Collections stating they were representing XXXX XXXX XXXX on a debt owed in the amount of {$5100.00} and that I had 30 days to dispute it. I sent Bonneville Collections a letter on XX/XX/XXXX disputing this debt they purchased from XXXX XXXX XXXX. I don't owe this debt and have been disputing this debt directly with Mr. XXXX XXXX - the owner of this lawfirm since XX/XX/XXXX. Mr. XXXX XXXX acknowledge my dispute via email on or around XX/XX/XXXX and apologized for the way I was treated by his law firm, but then all correspondence with him ceased - even though I attempted on numerous times to get him to get this settled with his accounting department - which he failed to do. I also sent them proof regarding the fact that I had been disputing this debt since XX/XX/XXXX and sent them copies of my correspondence to XXXX XXXX and his accounting department too. 
Bonneville Collections NEVER responded back. 

On XX/XX/XXXX, I called to try to handle an outstanding medical debt in the amount of {$180.00}. It was at this time that XXXX advised that my account with them had an outstanding balance of {$5800.00} stating that the remainder of this outstanding collection was for monies owed to XXXX XXXX XXXX. I informed them that I don't owe XXXX XXXX XXXX anything and that Mr. XXXX XXXX is fully aware of breach of contract I had with their law firm too. I questioned them about the invoice I received from them dated XX/XX/XXXX wherein they fail to notify me who this debt is for and instead say " Referred by : Your Creditors. '' XXXX stated that they could report this outstanding debt because they had a contract wherein I signed stating I would pay XXXX XXXX XXXX for their services. This is accurate, but I also fired XXXX XXXX XXXX because they failed to hold up to their commitment of our contract ( breached contract ) and I had to go elsewhere to get the assistance me and my XXXX XXXX XXXX XXXX sons were needing/seeking with regards to our Temporary Restraining Order and Custody Case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had an ongoing issue with all three NCRAs regarding inaccurate information reporting on my consumer file. The agencies have either not responded to my requests or they have marked them verified without providing proof of a thorough investigation or proof there of. I will explain further in detail in the letter and attached documents.

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 2021-06-23
Company: National Credit Adjusters, LLC
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:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had an Account at XXXXXXXX XXXX XXXX in XXXX Mass. The card was a combination Member/Credit card. The Credit card Co. was XXXX XXXX. On XX/XX/XXXX the XXXX XXXX XXXX in XXXX Ma. closed. I was told by XXXXXXXX XXXX XXXX  that I could close my account and get a total refund of my membership dues ( {$100.00} ), which I did onXX/XX/XXXX at the XXXX New Hampshire store and my refund was paid in full. I had a Cash Back rewards balance from XXXX of {$150.00} which the credit card company ( Synchrony ) was supposed to pay me in XX/XX/XXXX. I canceled the credit card on XX/XX/XXXX and they gave me a confirmation # XXXX. The credit card company is telling me that because I canceled the credit card I have forfeited my Cash Back rewards of {$150.00} from XXXX. They have told me that when I canceled the acct. I was advised that I would loose the Cash Back rewards. No one ever told me this, if they had I would have left the acct. open and closed it after receiving the Cash Back rewards check

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 2022-10-24
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This summer, I was forced to move my XXXX  loans from XXXX XXXX ( I never had a problem with them, ever ) to Mohela. I have yet to be able to talk with a customer service person although I have been calling at least once per week since XXXX. I have created an online account, but other than telling me my balance and showing the paperwork ( XXXX employment verification forms ) is being processed, it doesn't tell you any more than that. With the XXXX XXXX deadline approaching, I want to make sure that all of my payments will count. I have made XXXX payments ( the latest count from XXXX  XXXX ) and by the time XX/XX/2023 rolls around, I should only have XXXX payments left. 
I have sat on hold for hours only to have an automated recording telling me " There is an error in completing your request '' when trying to be transferred to the Mohela XXXX department. I even tried just getting to customer service with the same result. I also need to know what my new payment will be beginning in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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 purchased my vehicle at XXXXXXXX XXXX  XXXX XX/XX/XXXX and financed my car with them. I paid of my car on XX/XX/XXXX. I never received the title to my car. Toyota Financial Services told me to go to the DMV and get my title. They told me to do this and I went 3 times to get my Pink Slip. XXXX with Toyota Financial said she has made numerous calls and still can't get it. DMV in XXXX said that XXXX XXXX XXXX has the title and they are the ones that need to release the lien. I called XXXX XXXX XXXX   on XX/XX/XXXX and they said they would have the lien released. Never got it. I called XXXX XXXX XXXX on XX/XX/XXXX and XXXX said she would sent an email to the collateral dept to get the release of lien. Never got it. I called today XX/XX/XXXX and now XXXX XXXX XXXX said they don't have any records. I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Account was closed without my permission. 
Provide me with proof of ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
We want to let your organization know that we believe that our credit card has been compromised or hacked. Either through an XXXX device or our Fidelity Credit card itself via XXXX. 

On XX/XX/2018 we were informed by our financial institution ( Fidelity Visa 529 card ) that our small purchase wouldnt go through because we were over our limit. Doing further investigation, on our own, we found that approximately {$20000.00} of unauthorized charges were on our childs phone via i-tunes and ONLY i-tunes. 

We contacted Fidelity and formally declared unauthorized activity or fraud. We also contacted XXXX fraud support case # XXXX. In the beginning Fidelity spoke with and worked with XXXX and refunded some of the charges. However, after more charges came to light and our case with Fidelity was transferred to another fraud employee they no longer agreed that fraud was the issue. 

We asked Fidelity, why they didnt let us know about suspicious activity on our account or put a hold it. They claimed we have to be authorized, by you the card holder, to contact you when we suspect unusual activity. They did however contact us previously about suspicious activity and stopped one card and sent new ones, without being authorized. 

While on the phone with Fidelity fraud department and with our childs phone in our possession new unauthorized i-tunes charges were rolling in. Fidelity deactivated this card and sent us new cards. Shortly after, putting this card into an XXXX device, new unauthorized charges started once again. XXXX support said they would credit back these fraudulent or unauthorized charges just as soon as Fidelity requested them to do so. Fidelity has decided they will bill us instead. 

As a consumer, we do NOT believe that our interest are being protected by Fidelity Visa, nor do we believe that we are the only ones experiencing 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 explanation
Consumer complaint received 2023-01-27
Company: Alorica Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I received an email from XXXX stating my next payment was due, and that I was " currently past due '' in the amount of {$120.00}. 

On XX/XX/XXXX, I made a payment to XXXX in the amount of {$120.00}, using a debit card on their website. My principal balance on this date was {$2100.00}. 

On XX/XX/XXXX, my regular payment of {$100.00} was due. 

On XX/XX/XXXX, I received a noticed from XXXX that my loan was being transferred to another company called XXXX, or XXXX and XXXX XXXX in XXXX  XXXX. I did not agree to this transfer. Based on their email, XXXX  would take over the loan on XX/XX/XXXX. 

On XX/XX/XXXX, I received a statement from XXXX, stating that I had {$310.00} worth of late fees. How is it that XXXX stated I was past due {$120.00} on XXXX, but my XX/XX/XXXX statement from XXXX  says {$310.00}? Where did they come up with this amount in XXXX  days? 

I have attempted to resolve this directly with XXXX  ( as XXXX refuses to discuss anything with me ), as well as a complaint to XXXX  in XX/XX/XXXX. I have sent statements, as well as payment receipts to XXXX. XXXX  continues to state that " the late charges based on what XXXX sent to us. '' However I received NO correspondence from XXXX regarding this amount of late fees. With XXXX, the late payment charges were ALWAYS ADDED to the actual amount due. I've asked repeatedly for documentation ; XXXX  also refuses to give me a copy of the documentation XXXX sent to them. The only documentation I have received regarding these late fees is from XXXX. 

My complaint would be against both companies, XXXX  and XXXX  ; XXXX  for giving an extremely short notice of this transfer, and XXXX  for tacking on errorneous charges and reporting false information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion and XXXX declines to delete/remove the inaccurate and false account in my file ... there is no contract and the bureaus will not provide me with the verifier or any proof of validation ... this account was settled with XXXX XXXX ( Original Creditor ) this is the very reason why XXXX has removed it ... the account has now been given or sold to XXXX XXXX ( Opened XX/XX/2018 ) This is an outright and unjust violation of F.C.R.A. law and litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately.

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