BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-31
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The dispute is with Target Corp. headquartered in Minnesota. They are reporting two 30 day late payments on all three of the credit agencies. I have 3 issues with my interaction with them. 1 ) 1.5 years ago,
I sent a letter explaining what happened with those late 30 day payments. The issue originally stemmed from the fact that at the Target store in XXXX XXXX, I was told I needed to renew my card and I later found out I was issued a new separate credit card. That was not my intention and the cashier misled me, probably in order to receive some type of commission. The second issue was at the same time, Target was switching over to chip reader on my original card. At this time, I had 3 credit cards and did n't know which one actually worked or was useable. The 3rd issue was at the same time, my wife had a XXXX issue that demanded medical attention. Since she handles the bills, the payment was late but she still would not have known which bill to pay as at the time I had 3 credit cards. After sending a letter, I never received a response from Target ... ... .not even to this day. 2 ) 3 months after I initially sent a Ietter and not receiving a response from Target, I later called and spoke to someone in credit reporting. I went through all the reasons as to why it should be removed and 45 days later I received a response saying the credit reporting was correct. My dispute was not that it was incorrect but several things occurred, most of which is Target 's fault, that caused me to be late both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Hello, Please note that the complaint that I am about to enter was due to an alert of fraud suspicion that started with the lender... In the end, the lender declined the fraudulent activity which it made me aware of... I have a Home Depot credit card that is managed by Citibank. I received a text alert on XX/XX/2021, at XXXX EST to advise of a {$400.00} purchase attempt. I returned a call to the credit card company to confirm that I did not make the charge. In the beginning, it seemed like this matter would be open and shut seeing that I had a {$0.00} balance and the purchase did not align with my spending habits or merchandise purchases. After there was no response I followed up and ultimately received notification that the company would be charging the purchase to me. They claim my credit card was used but that is not possible since the card remains in my possession. I filed a police report with the XXXX NJ Police Dept. Detective XXXX XXXX pulled the surveillance videos and was able to confirm the likeness of the person ( s ) and the vehicle that was driven. I was able to confirm that the vehicle was not mine and the likeness was not me. Citibank has held its ground and will not reverse the charges. I vehemently disagree with this decision as my spending habits, the police report, and the video surveillance supports the fact that the purchase was not made by me or anyone in my household. Further the lender should own the responsibility of not having measures in place to prevent fraudulent charges like this or card duplication if that is the case. I am writing to you to appeal to Citibank in hopes of receiving full restitution. Thank you. 

see OCC Case # XXXX that was forwarded to your office

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 2018-11-27
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I took out a loan from XXXX XXXX for XXXX they deposited the money into an account They then issue a temporary check book for the Purpose of transferring monies from that account to my new checking account my payments were adjustable rate and were billed to me as accordingly related to the money I used during the loan then stopped my line of credit I continued to pay 15 years of payments and paid off the loan at the end of the original agreement was a pay-off of some XXXX I approached the bank manager to get the record of the amount of the original loan was used and where I was told the info was in an archive and it would cost me XXXXdollars per page to access this do this day I can't positively prove how much money I actually was able to use they send me a monthly bill requesting I pay the full XXXX balloon payment in full they recently taped a note to my front door stating I contact them witch I did repeating my request for disclosure of necessary info they said they would get back to me the next day it's been two weeks no info they have posted the loan on my credit report and added XXXX in fees these numbers never added up I have documents and other info pertaining to this loan also I have a XXXX file that's important I was unable to upload

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
An account which I previously owned with Discover Card has been closed since XXXX 2017. Following closure of the account, I received multiple telephone calls to both my home telephone and cell phone. In fact, I receive 6-8 calls in one day at my home, which equates to one call per hour during an 8-hour shift. 

Since Discover Card has received no response from me, its customer service has began calling my place of work. These telephone calls to my office have been very disruptive as well as embarrassing. Additionally, I did not authorize Discover Card to call my place of business or cell phone. 

I also sent written notification to Discover Card to cease and desist from all forms of communication with me. 

I stopped paying on the account due to illegal over the limit fees. There is no way that I could have incurred over the limit fees when I had not used the credit card in 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To my surprise, After reviewing my credit report through XXXX XXXX, I discovered that DIVERSIFIED CONSULTANTS had added Derogatory marks onto my XXXX XXXX credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! I have also asked these collections agencies : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. and all I 've received was their letter stating that I owe these debts and some copy of an application and a lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
On XX/XX/2022, I applied for an extension of credit through Goldman Sachs and was sent a denial email. They violated my federally protected consumer rights : 15 U.S. Code 1642 15 U.S. Code 1681M 12 CFR 1002 I have been discriminated against and I am now seeking for this company to rectify this situation that they are now liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX/XXXX/XXXX XXXX  XXXX They are unable to verify the account and requested contact the bureau to delete the item

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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 writing to complain about a dispute submitted to the 3 major CRA 's on XX/XX/XXXX in regards to accounts fraudulently opened in my name. I am a victim of identity theft and did not open these accounts. I also am a victim of the XXXX XXXX XXXX 2008 data breach. State issued Drivers License were compromised and my social security was also compromised. I am not responsible for any charges made to these identified accounts or inquiries that were made by the thief, as the accounts were opened fraudulently.

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 2019-04-22
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not become aware of the debt until it was reported to the credit monitoring companies. The debt should have been paid by insurance. The debt of only {$280.00} took my credit score from over 800 to under 700. I have paid the physician and asked the collection company provide a deletion letter to recover my good credit score,  because the debt was resolved, however, the collection company claimed to have a company policy against sending deletion letters, and they refused. This is particularly damaging because I am in the process of buying a house. Their refusal to send a deletion letter due to a company policy will cost me {$3000.00} per year in increased interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: OneMain Finance Corporation
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Pacific Credit Exchange Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Hi, so this is a complaint that I have with this loan. I don't feel 100 percent responsible due to the people and agreement i agreed to. I turned in a very nice great running XXXX SUV, for what i feel was a complete lemon car.

I had the car for 1 week and it broke down. I told the guy at the dealership off XXXX XXXX that if the car was no good Dont sell it to me because i will not pay for it, i understand this isn't The right way to go about things but my word is all i have. I don't feel responsible for paying on a car that only worked for a week, and then got sold for nothing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. LVNV FUNDING LLC {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Revenue Enterprises, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I was informed that the collection account on XXXX was deleted and removed off my credit report. The debt collection company was revenue enterprises. I had never received anything from them in the mail, last thing I have ever received was from original owner, XXXX XXXX XXXX just stating a owed amount that my insurance covered. I didnt even know I had a collection account until checking XXXX  XXXX. One i  saw it & disputed it because it wasnt accurate. After receiving confirmation of the account being deleted off my credit report due to inaccurate information I figured that I didnt have to do anything more. It was removed from XXXX  as well. On XX/XX/2019 I got an email from XXXX XXXX  stating a new account was opened from revenue enterprises, also received an email stating the same thing from XXXX  XXXX, & XXXX  XXXX. I got into XXXX  to look at everything since I pay for premium. I noticed I had notifications. The notifications show on XX/XX/2019 revenue enterprises reported a new opened account and for a higher amount than it originally was. It now show it was XXXX instead of XXXX. Then it says on XX/XX/2019 that revenue enterprises flagged my account on XXXX  as unpaid and the amount is XXXX. 
Then on XX/XX/2019 another notifications I seen on XXXX says revenue flagged my account as collections on XXXX  and the amount is XXXX. When I call revenue enterprises they say they never received an disputes and that its been reporting since they bought the debt. That I have to contact the Credit bureaus and ask them and that I never received any notifications of the account because my address wasnt correct. I have updated my address with post office and all my mail has been forwarded to my new address I have received everything else but nothing from them. I called XXXX  they told me they cant do anything that i need to contact revenue enterprises.

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 2022-08-26
Company: Experian Information Solutions 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:
I have disputed inaccurate accounts reporting on my consumer report and Experian has not fully complied with providing me with their METHOD OF VERIFICATION for the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I have asked Experian to provide me with information proving that the following accounts do belong to me and if they could not provide me with the following information to remove the inaccurate accounts reporting. Other Credit Reporting Agencies have removed the following accounts from my consumer report and I have requested that Experian do that same as of today. 

Updating the account is not what I am requesting as it is Experians grave responsibility to make sure all information is reporting accurately!!

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 2018-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
During the start of XXXX I lost my debit card at a party. Throughout the next couple of days, I go on my online banking app to see there were checks with the amount of XXXX dollars bounced under my name. I file a claim with Bank of America on the XXXX of XXXX saying that I was n't the person using that card to make those transactions. I even have proof of my attendance at my university the day of any transactions on my account. I also found a receipt of XXXX dollars through XXXX XXXX in my dorm a couple of days later with another persons name on my campus. I believe that person used my card after figuring out my pin and information to make the transactions that were made. Please help me, I need to prove that was not me who used that card to make any transaction of those amounts.

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 2022-01-13
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home loan and it was sold to NewRez XXXX XXXX  on XX/XX/XXXX, with the next county tax payments due within 30 days of sale. In the onboarding process, NewRez failed to check tax status, so in XX/XX/XXXX, I received a tax default notice from XXXX County, IL that payment was past due, and on XX/XX/XXXX a second installment was due. Contacted New Rez and they sent both payments, but evidently took too long, and the delinquent interest was insufficient or tax parcel ID didn't match, as XXXX XXXX rejected and returned the payment. Evidently, XXXX doesn't employ at tax service to ensure payments? Again in XXXX, I received a second default notice from XXXX XXXX that both 1st and 2nd installments were now past due with additional interest by XX/XX/XXXX. I contacted NewRez again and on XX/XX/XXXX they paid both installments. On XX/XX/XXXX, I called XXXX  County to check the status, and neither payment had been received, so to stop additional action, I paid the entire bill out of my own funds {$4000.00}. On XX/XX/XXXX after XXXX County did not show a tax refund overpayment on my parcel for the NewRez payments, I contacted NewRez and informed them I want the following actions taken :!. ) What happened to my tax payments and where have they gone? XXXX County has no record of receiving the XX/XX/XXXX payments 2. ) I want immediate reimbursement of the full amount of taxes and interest I just paid on XX/XX/XXXX {$4000.00} XXXX. ) I want my escrow account requirement suspended and all escrow funds returned to me immediately. I will pay all escrow-related items, as you have proven over the past year to be incompetent at handling them. 
XXXX. ) As a former Servicing Compliance Executive at XXXX XXXX, I will be filing formal complaints with CFPB, XXXX XXXX ( mortgagee ), and my Congressman. 

They still haven't responded other than an email that they received my initial request How can CFPB let the three worst servicers in the nation, XXXX, XXXX, and NewRez combine into one giant servicing operation?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX, XXXX cases were filed previous and Navient still has not satisfied my request. If anything only confused the matter more. Case XXXX they provided a promissory note of XXXX, and only this document. Stating this as proof that I owed more than double that. In case XXXX they then state " Your Stafford loans were transferred to us in XXXX 2012 after being rehabilitated with a combined balance of {$11000.00}. Prior to us receiving your loans, they were in a default status. '' Then they are saying I had a consolidated loan for XXXX dollars. Odd enough I spoke to Navient in XX/XX/XXXX asking specifically that, and in turn caused all this. I asked specifically for the documents that ( apparently no one has ) showing I owe this amount of money. I was told they do n't have them and to call someone else. I was also told that my loans are not consolidated at all but only brought under Navient. ( see loans attached ) case XXXX states the opposite and my loan details show this as well. " In addition, we received your consolidated loan in XXXX 2012 with a balance of {$26000.00}. '' Plainly my accounts are not consolidated. " In addition, we received your consolidated loan in XXXX 2012 with a balance of {$26000.00}. Please note that your consolidation loan was simply transferred to us from another servicer, and was not previously in a default status. '' Once again no documents are provided showing where these totals are coming from. If something is " received '' you would have these records, dates and documents. I 've called the number they provided previously and they could n't produce these documents either. This is why I am on this forum.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i never had any such account with XXXX XXXX and when i was notified i called to let them pick up water items dropped at my door ... please close this account as fraud

Company response to consumer: Closed with explanation