BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-17
Company: Avant Credit Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied for a loan thru Avant just a few weeks ago. I submitted all the details they requested and even called to verify if my application was complete. I was told yes, they had all necessary information, Employer, Income, mailing address. Today I received an e-mail stating they denied my loan because they could not verify my income. How is that possible? My income is obviously needed for a loan. I called and spoke to XXXX who said he would submit my complaint to the complaint department because he can not see the reasons why I was denied and I would hear back in 14 days. I received another e-mail stating that my loan is denied and they have sent me a list of reasons. I have never received any correspondence other than an initial e-mail earlier today. My income is the first thing that was submitted. They never reached out to me in any way to ask about my income. This was just a waste of time, a false company that only runs your credit to make other creditors they work with call me or e-mail me. TOTAL SCAM! Now I have an inquiry in my credit because this company is not legit and their approach is very unprofessional. I do n't want to ever do business and I want that inquiry removed because your claim that my income was unverifiable is a major lie!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in disputing all inaccurate information on my credit report with experian. please remove all listed information that is hindering my file an not accurate on all 3 credit reports. please remove asap.

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 2022-02-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I bought a copy of my credit report and noticed alot of inaccurate information on it. I disputed the information and the Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that 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 non-monetary relief
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: TN
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:
Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Even though I wasnt able to make payment on my loan, would it not be one late payment per month? I have one account number with sequence numbers that fall under the one account number. Unless I have four different account numbers but I can only find one. I've tried to get a goodwill adjustment for my student loans two years ago with no success. I feel that 16 late payments is a little excessive in four month period.

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 2022-07-20
Company: Access Receivables of NC Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX at Received voice message saying she's not sure she has the right company, gives an address that my company is not associated with. Said her name is XXXX and to call her back at XXXX reference number XXXX for an outstanding debt. 

Later on XX/XX/XXXX received voice message Access Receivable tying in last 4 digits of my bank account to a balance that is due {$1600.00} XX/XX/XXXX received email from XXXX XXXX at Access Receivables saying there is a balance of {$1600.00} that must be paid. The fastest say to suspend collection activity and eliminate delinquency is to make arrangements to pay directly with their office. Access Receivables says their client XXXX  is responsible for making the claim. Neither myself nor my company have any connection with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: NC
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 notified the credit reporting agencies, letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one  of their stall tactics. The Collection account from "   XXXX    XXXX   XXXX  '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since  2010 . So my question is, how is a collection agency that is not licensed allowed to collect a debt. Equifax has violated my rights as a consumer, along with "  XXXX   XXXX   XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased 2 items on XXXX I returned the items and can not get a refund I have the tracking # s and confirmation # s from XXXX Here is what XXXX sent me. I am dealing with XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Fl XXXX I will scan the tracking # and include this in the complaint. I spoke with XXXX agent # XXXX Refunds : ( From XXXX XXXX XXXX -- Refund ID : XXXX : crow : XXXX = {$11.00} XXXX -- Refund ID : XXXX : crow : XXXX = {$10.00} i hope this information helps. 

We'd appreciate your feedback. Please use the buttons below to vote about your experience today. 

Best regards, 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 monetary relief
Consumer complaint received 2022-02-24
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The NORDSTROM with account number XXXX appears to be a charge-off account with a specific balance of {$2300.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a " streamline XXXX  XXXX  refinance '' on XX/XX/XXXX with CASHCALL MORTGAGE company located at XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX Loan Agent - Team 7 | NMLS # XXXX, with the knowledge provided to me that I would get a loan between 3.750 to 3.875. They pulled a bait and switch on XX/XX/XXXX ; XXXX XXXX had another person XXXX XXXX speak with me trying to put me in a hire loan rate, telling me the new loan rate would be 5.1 and an investor loan for an owner-occupied property. I asked why when I live in the property. I spoke with XXXX XXXX and asked for XXXX XXXX because I wanted to see if they would remove the hard inquiry on our credit reports since the loan could not be made as informed. XXXX XXXX informed me that XXXX XXXX was gone for the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Was sued by XXXX XXXX. Contacted office twice for proof of debt and who originally had the loan. Twice they mailed a copy of the default judgement. They refuse to provide any proof of what this debt was for, who original owner of debt is, and amount. I disputed this through XXXX and it was removed. However, XXXX XXXX Court is still showing that it is not satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I make regular scheduled payments on my consumer loan through my bank to Castle Credit. 

In XXXX they claimed they had not received my payment. Although I had proof from my bank that the payment was made on time they charged me a late fee. I told them I would put a stop on that check and issue a new payment. Then miraculously they somehow " found the check " they claimed not to have received and then charged me a fee when they deposited the check that I had already told them I put a stop on. The same issue occurred on XX/XX/XXXX. I spoke to my bank to put a stop on that check and asked how could this happen. The representative from my bank told me because Castle Credit opted to receive physical checks in the mail rather than e-checks. I believe their claim of not receiving checks is a scam and they " lose '' checks in order to charge a late fee. and then double charge fees when they " find '' the missing check a day after they charge a late fee. 

I also attempted to get an explanation of 3 fees they charged on my account on XX/XX/2021 Reverse P+I Interest of {$30.00}, {$70.00}, and {$74.00}. 

I believe they are running a scam to try to get extra fees and would appreciate your looking into their business practices. 

Thank - you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2018-02-06
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX  2018, I called Navient Student Loan Company about receiving the XXXX  form for interest paid on a student loan. I am the cosigner paying on the loan because this was messing up my credit score. Navient will not send the XXXX form to me to report on my income taxes. Instead they are sending it to the main signer. This is a violation of consumer and tax law. Many cosigners who are paying on student loans will be dealing with the same problem. Please do something about this.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Square Inc
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Two transactions totaling {$1100.00} I process the card payment for customer. Then my account is blocked and I am told they will no longer do business with me I can no longer access my account and it is impossible to reach anybody I talk to one person on the phone finally and they said to me that somebody would get in touch with me the email and I have sent many many emails since then nobody has contacted me back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022 I applied with New American Funding for pre-approval of a conventional VA home loan. I purposefully applied to several loan companies at the same time to not destroy my credit score. After submitting the pre-approval, I did not have any contact from the lender so I decided to use a different company. On XX/XX/2022 New American Funding pulled my credit score and it was listed as XXXX XXXX. I thought it was fraud. It took me disputing the credit inquiry only to find out that XXXX XXXX was actually New American Funding. Ive never had a credit pull 2 months after applying for something. I ended up losing my dispute and this pull was listed as a hard inquiry. This is how you hurt consumer credit scores when they are trying to do everything correctly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
After many talks and many attempts to explain that the amount owed is way above of what it should be they still mentioned they can't do anything. I borrowed amd amount and now i owed more then what i borrowed. I attempted many times to work out with the agency and they keep been rude and treat to pay up or they will repo my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX bank issued an unauthorized credit card with no signature on an account. XXXX XXXX XXXX bank submitted fraudulent contracts to support claim. I am a victim of banking " cross sales '' tactics which are illegal and currently under investigation at XXXX XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions 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:
XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

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, and XXXX XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$0.00}

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 2021-11-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
I received an email from XXXX XXXX on XX/XX/XXXX @ XXXX in regards to ID XXXX finding my data in an internet breach. I notified all XXXX credit bureaus today, XX/XX/XXXX to place a fraud alert, and while in contact with XXXX there were XXXX or XXXX inquires that showed up on my credit file that I didn't recognize or authorize. XXXX of the inquiries was for a credit card from Wells Fargo for XX/XX/XXXX, a finance company for an auto lease back in XXXX of XXXX, along with a few other inquiries from companies that I've never heard of/or authorize. I had other compromises with my internet ( XXXX ), home security cameras, and landline home phone all for an attempt to steal/get my information. I received a fraudulent email from scammers through my XXXX account ( XXXX ) the week of XX/XX/XXXX trying to get me to pay XXXX by XX/XX/XXXX on my loan account through XXXX when I don't have a payment due until XXXX, so that attempt failed. I've received several sign in failed notifications that scammers have attempted to get into my XXXX account. I've received/fradulent ( XXXX  ) calls almost daily. My name for my landline phone is not showing up in caller id when making outbound calls for some reason. A random persons name is showing up as being attached to my landline number. I had to change my telephone number with XXXX only to continue getting those fradulent XXXX XXXX  ) calls, and issues with someone else 's name showing up in XXXX XXXX when I make outbound calls from my landline number. I've been working with XXXX  over a year and with XXXX or XXXX representatives/technicians/engineers trying to get the issue with my XXXX XXXX resolved with no resolution.. A complaint has been filed with FCC and FTC. Your assistance on inquiries with the financial institutions that I didn't authorize is greatly appreciated.

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 2021-04-22
Company: Experian Information Solutions Inc.
State: CA
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:
Im so sick and tired of EXPERIAN reporting false accounts that have not been validated by myself who the original creditor. They have reported these accounts and hurt my ability to obtain credit and I am sick and tired of this mess! It will stop now and right now today! 
Experian is I. Violation 15 USC 1592g, they were to notify this in writ g XXXX days before and I was not! I am the original creditor and only I can validate these accounts! I do not validate these accounts. Therefore, the following accounts must be deleted. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Department of XXXX XXXX Failure to respond satisfactory with the deletions of the above account will result in action being taken and a {$1000.00} fine per violation. 

XXXX ) Defamation XXXX ) negligence enablement of identity fraud XXXX ) Violations of 15 USC 1692g

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