BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-24
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Target is reporting some inconsistencies on credit report. One XXXX  they report 10 late payments, but XXXX  & XXXX only 1 late payment. All 3 credit reporting agncies should have the correct late payments on all 3 reports. There are alot of inconsistencies with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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:
My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and I just found out on XX/XX/XXXX someone opened accounts under my personal information without my consent and without my authorization. I never authorize XXXX  XXXX, XXXX XXXX XXXX XXXX to use my personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as a result of these accounts being opened. I need these accounts blocked as it is a direct result of identity theft and it does not belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. All statements are true and correct.

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 2019-08-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I just want to make it clear I did everything in my power to work things out with these creditors all of them when I got sick they saw when my health went down credit started going down I began crying when they called telling them listen I don't have a dime and a XXXX XXXX XXXX daughter if you can let me get my XXXX I will pay every one of you but they went forward and I have judgements against me that I didn't even get paperwork to go to court on. I purchased my XXXX XXXX XXXX XXXX and was financed I made every payment on time or before time until I became unable to work due to a sudden disabling illness. I worked at the XXXX XXXX XXXX I made good money and when everything ran out while I was waiting on XXXX my mother helped me make those payments that's why some of the payments got behind we were doing everything we could to stay current I was hit with another representative in the collection department and instead of him taking the payment he said I had to do a voluntary repossession and I owed less than XXXX dollars and I told him my case was going to court for my XXXX in XXXX it said please work with me I can just pay it and whatever left do for late payments I would pay off when I received my XXXX. He said the best thing you can do XXXX XXXX is relinquish that bike and it sold for more than what I paid for it yet they're coming back on me for money on the repossession company that came to pick it up because there was no way I was in any shape to try to get that motorcycle up there I had no choice but take a XXXX retirement because I have XXXX 's XXXX and if you look through my credit everything was paid on time and never late until I was taking out of work in XXXX I have explained to these people every time they call and they continue to call and send letters threatening me I get XXXX a month I barely get groceries I don't qualify for food stamps I don't qualify for XXXX I have to use my XXXX and I have to pay 25 % of co-pays or either it's 25 % of whatever the total cost is for that day and I can't even pay that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Resurgent Capital Services L.P.
State: VA
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:
LVNV FUNDING LLC is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$260.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, LVNV FUNDING LLC failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay LVNV FUNDING LLC and Im demanding them to remove the collection account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filled a complaint with credit reporting for my hard inquiries. customer service would not help and take care of the negative inquiries reporting to my credit report.

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 2018-10-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert email from XXXX XXXX advising me that there was a change to my Transunion credit report and a credit inquiry was sent by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2018. I have not applied for any new credit cards. I contacted XXXX bank and they told me they did not see any recent applications. They advised me to call XXXX. I called XXXX and they could not help either so they asked me to call Transunion. I called Transunion and they could not help me either. 
I would like to try to get a hold of the XXXX ( XXXX XXXX XXXX XXXX ) but there was no phone number. I would like this inquiry taken off my credit report and I would like to prevent them from approving any account opening under my credit information.

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 2019-08-17
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is regarding a debt that Convergent Outsourcing Inc. in XXXX Washington XXXX sent to my XXXX year old mother she says she don't know what it is they say maybe debt fromXX/XX/XXXX XXXX?? not clear. acct # XXXX. in amount of XXXX. They sent this to her on XX/XX/XXXX and after seeing this scompany on many scam reports we have donr nothing but contact you and XXXX because there is nothing about this on her credit report. And we also placed a fraud alert on her credit report.

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 2019-08-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was sent money through PayPal with different people on XXXX XX/XX/2019 of about {$230.00} and on XXXX XX/XX/2019 I was sent {$13.00} totalling to {$240.00} and PayPal denied me access to withdraw the money from my account. At first I withdrew the money and they denied me access to my account for 5 days and after the 5days they blocked my account for 180 days which is not fair at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: BANK OF THE WEST
State: CA
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 customer service

Complaint:
Bank of the West changed my " XXXX '' account to " XXXX '' in such a haphazard manor that I was unable to reconcile my account for 2 weeks. Instead of letting the " XXXX '' charges be recorded when I actually use the card, they transferred the most of my XXXX   charges to " XXXX '' before I ever started using that card. They did not just transfer one lump sum, they did a partial line by line transfer, then an undefined and unrecoognizable cumulative transfer. I don't think it was their intention to send me any further statments reflecting the activity on the " XXXX '' account, but it took me a lot of phone calls and a lot of waiting to finally get one - and it was very messy to work with. I was then able to reconcile this account, but then had to make another call and wait a long time to get them to transfer a {$200.00} credit that they had neglected to do. 
Their phone lines were excessively busy and it makes me think that I am one of very many unhappy customers. 
In summary, what should have been a very simple process for all concerned was turned into a nightmare because of a poor, clealy unhelpful, and maybe an illegal, accounting process. 
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 2019-08-17
Company: AMA Advisors, LLC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Homebridge mortgage was handling my homestyle loan. We applied XX/XX/2019. We were not approved for the homestyle renovation loan, however we were told we could apply for a FHA XXXX loan given the credit requirements. We gave in all necessary documents requested. We were supposed to close this week XX/XX/2019 or next week. We had all documents in within a timely matter however the loan originator and processor were completely incompetent. They lost documents sent via email which is very alarming. We had to resend documents and we had no communication as to a precise timeline or what was happening next. There were misleading expectations of a 45 day closing timeframe. Simple promises saying they would return calls or emails the same day but we wouldn't get a call until 3-4 days later. When they did return calls there would be apologies, sorry I was in another customers file, and more and more excuses. 
We had to call and follow up and even call upper management to complain. We said we no longer wanted to deal with the loan originator. However they continued to handle our loan. This upset the loan originator and they even said, " well you calling managers, CEO 's and executives ''. We just wanted to know if we were approved so we can either move forward or move on. The loan originator told us we were approved and gave us a commitment letter with items to satisfy prior to closing. The loan processor told us that they would not order appraisal ( {$490.00} ) or advise us to move forward with the HUD inspector ( {$1000.00} ) without the green light from underwriting. We sent several emails and called several times to find out when was our closing date Monday XX/XX/2019. 
Today, XX/XX/2019 ( 94 days since application ) we were advised via email after that they had good news and bad news. The underwriter can't move forward with the loan because of withdrawals from the home equity line of credit we have on the house. It had to be subordinated. Shouldn't the loan originator or processor told us this when we first submitted the documents for the loan? Now, we are out {$1400.00}. Due of incompetence. The miscommunication and level of unprofessionalism is ludicrous. In a nutshell 94 days of our lives were wasted when this could have been communicated to us at minimum 10 days after underwritting recieved the documents. We even have the upper management on voicemail saying he'd do what he had to do to get it to closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I reached out to citi for some via XXXX for some addresses of citi and citi fax numbers. They told me to call in. I requested that they give it to me call in. I requested it be sent to me via XXXX for reasonable accommodation for my XXXX. They ignored that and told me to call in. 

I'm not asking for private info that should be sent securely. Just an phone /fax/address of a certain citi department 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 2019-08-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My wife & I had 2 of our homes destroyed in Hurricane Harvey and we both had to take off of work multiple weeks in order to assess the damage and figure out where to go from there. Consequently, we contacted XXXX to ask for a loan extension to move the next 2 payments to the end of our loan. XXXX has offered this service to victims of the California wildfires, but were callous when offering something to Harvey victims. They agreed to reduce our next 2 payments to ~$180/month (from $XXXX), but then our remaining payments would be $XXXX, which didn’t make sense when factoring out how much more we would be paying. XXXX  also explicitly stated that these two payments WOULD NOT BE REPORTED AS LATE ON OUR CREDIT. However, XXXX  began reporting late payments that same month and everything went down hill from there. The reporting of our payments are incorrect, one payment is missing entirely, we currently show as being 90 days past due two separate times now, etc etc. I was quite furious about this matter, so I acted accordingly and created multiple social media accounts & a website that gained traction rather quickly. I was subsequently contacted by an XXXX attorney who then offered me $XXXX to settle the social media & website matter and to turn over all websites and media accounts to XXXX; I agreed with a couple caveats - the main caveat being that they must follow up on our account and correct the multiple erroneous late payments on our account. However, I was never contacted again about our credit report and had to initiate contact with their attorney again before getting any response, but still nothing was done. Because of their errors and egregious inaction, this has destroyed our once perfect credit and has cost us thousands of dollars in additional interest paid in new credit accounts; We have also had 2 credit card accounts cancelled because of these ridiculous errors, which collectively had over $32,000 in available credit at the time of closing. I have recorded calls, emails, and a legally binding contract that all corroborate what I’m stating in this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: BARCLAYS BANK DELAWARE
State: FL
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:
On XX/XX/XXXX, Barclaycard closed all my credit cards I have with them including a recent new card that I just received XXXX worth {$590.00} promotional offer on that was issued XX/XX/XXXX. Barclaycard closed my account right after I got the points and refuse to let me redeem the rewards, a complete switch and bait. I have been with Barclaycard for more than three years since XX/XX/XXXX, and never missed a singlepayment. They claim the reason for disclosure is too many new accounts in the past six months but I only had three accounts opened FIVE months ago. It 's disappointing to see the extremes credit card companies go to save their button line but this is completely unethical.

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 2019-08-17
Company: LD Holdings Group, LLC
State: CA
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:
XX/XX/19-I sent a request through XXXX XXXX for re-fi options. You only give them your name contact info, loan amount, absolutely no personal information like social security numbers or dob entered. XXXX XXXX sent my social security number and all personal information out to neumeous entity’s without my approval or knowledge XX/XX/19 - I spoke with one of the companies XXXX XXXX  sent my information to Loandepot.com. XXXX XXXX  called me, he asked if I could verify my dob and last 4 of social, I’m perplexed as to how he has the last 4 of my social and dob, I’m assuming this is to verify I’m the person I say I am. I later found out he ran my credit. He never asked for permission nor did I give permission to run my credit. Now my credit has been hit, and this is fraudulent conduct. I have emailed XXXX  XXXX, his parter XXXX XXXX  who was cc’d on our email, I have left messages XX/XX/19 from first thing this am for their manager XXXX XXXX, his manger XXXX  XXXX  with no response.I have filed a complaint with XXXX  XXXX, Loandepot.com, XXXX, I’m asking that you please research this matter, this should not have happened, this is illegal, and this person XXXX  XXXX  seems to be licensed in multiple states. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have federal and private loans with Navient. Never been late in my entire history except for one other date ( aproximently 1 year ago ) and it is because of the very same reason. I pay both loans separately as always. My two XXXX payments were ALL applied to one loan and the other was left unpaid. I changed absolutely nothing in my payment process and was surprised when I got notice of a late fee notice near the end of XXXX. At first I thought it may have been an error on my part, but upon checking with my bank and confirming with Navient this was not the case. Upon my first call on Thursday XXXX XXXX I was told this was going to be taken care of in 24 to 48 hours and they understood the issue. Saturday XXXX XXXX I received a treating call that I was late on my payments. Again I explained the situation and was again told 24 to 48 hours. Next day I called back and was told completely different time frame of XXXX XXXX for the late fee and payment to be corrected. I asked them again to confirm my repayment address and was told contrary information as to the previous. I demanded to speak with a supervisor. He told me my repayment addresses and account # 's etc were correct the vary same way I had originally been doing it. Today is XXXX XXXX and nothing has changed. Who will hold them accountable if they want to do this again next month? and the month after? I work very hard to make my payments even when i was out of work. Upon further inspection it appears they have been taking my extra payments and applying them where ever they see fit and not to where I post them. They pay have to principal and have to interest, is this even legal? I admit this is my fault for not paying closer attention. I feel there is no where to turn to for help. Please watch your loans carefully so that the same does n't happen to you. My loan was initially supposed to be paid off in XXXX after being sold to Navient it is now pushed back to XXXX per all the fees and wrongly applied payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Professional Debt Mediation, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Professional Debt Mediation , Inc . 
/ XXXX XXXXXXXX XXXX XXXX/ ; CFPB ; FTC ; Fraudulent Collection  Account reporting on my credit and I'm extremely concerned about the privacy of my personal information now! 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 XXXX  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 : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX, consumer, have come to the understanding that Portfolio Recovery Associates is in violation of my rights to privacy ( see attachments )

Company response to consumer: Closed with non-monetary relief