BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Upon my first interaction with the Amerisave Mortgage Corporation, I was in contact with a person named XXXX XXXX - Loan Originator NMLS ID # XXXX. He explicitly explained the loan process to me upon our first conversation. Unfortunately, he left out a few key details that ultimately left my experience to crumble into a disaster. 

XXXX failed to explain the application process. As a loan officer, all information should be readily available to the consumer. I applied for a mortgage refinance, and XXXX ran my credit to check if I would get approved. After running my credit, he gave me the good news that I was approved and that he needed {$500.00} immediately to start the application. I was told the {$500.00} was to apply. I went a long and handed over my credit card number. He then informed me later that an appraisal would come out to my property and to take pictures. I got my appraisal report and XXXX informed me that he can no longer accept me because suddenly my income to debt ratio was too high. He never informed of this before hand and this was a sudden shock to me because I was told that I was approved for the loan. I want to know why this company ( Amerisave ) would allow such a protocol to deny the customer after they've received the money. On the contract the appraisal was {$470.00}. I paid {$500.00} to the company. I want to know where the {$25.00} difference went to and If I should be compensated?

This is a standard scam to rip off customers who are trying to pay less interest on their mortgage. The loan officer hanged up on me and failed to follow up after I displayed my concerns about this to him. He would not hear another word from me after I asked him why he betrayed my trust into him?

This person and company needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12
Company: Bass & Associates, P.C., Attorneys at Law
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The Department of Education and Bass and Associates because of poor communication skills damaged me by taking my tax return the debt is paid and I am not in default please follow the paperwork I haven't received a payment bill in months. On XX/XX/2019 they said still working on issue XX/XX/2019 they took my income tax return PLEASE FOLLOW PAPERWORK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: National Recovery Service, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received any written notification about this debt. It should not be on my credit reports due to me not having a chance to validate the debt. Please remove the items from all three credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$18000.00}

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 explanation
Consumer complaint received 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One credit card has accepted my overpayments but could not do a reversal of the overage amount. Why, if a mistake? I sent them my handwritten mails something was wrong. They did nothing for 2 months now. I am still waiting for a correction and then they overbilled their segments sections, their calculators are torn up in billing or something. I understand they do no reversal paymrnts back to my debit card but did not credit my payment accurate from the minimum amount owed. What will happen more or did they steal from me in the months XXXX, XXXX, and XXXX currently if no special transactions or corrections of payments around each of its due date, which months segments were wrong. You have my permissions and consents to view all my billing statements with Capital one credit card, I shall await your remedying. I want $ XXXX- $ XXXXcash monetary settlement, to myself, owner of the credit card account for no right explanation given to the consumer to remedy. I want no retaliations. I should have been given a breach notice to me, once again someines wronged me by doing nothing. Look under items with Restrictive Words, Conditions, or Instructions to find their policy answers they did not apply they rejected my payments, proofs in their own words. Their address : Capital One XXXX XXXX XXXXXXXX XXXX, NC XXXX. I want your full legal services and settlements for myself, XXXX XXXX. I received nothing from no one as a settlement check, yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am a victim of identity theft. I previously created a complaint against Goldman Sach 's bank. After communicating with XXXX XXXX at the Consumer Financial Protection Bureau again today over the phone I was told to create a new complaint. After I became aware that I was a victim of identity theft I notified the creditors that had opened accounts online fraudulently in my name. The only financial institution that has not removed the fraudulent accounts from my credit profile is XXXX by Goldman Sachs. After putting in writing through the CFPB portal that I want to only communicate in writing Goldman Sach 's did not honor my request and called me on my parent 's phone number. I was instructed to file a complaint with the FCC for the phone harassment which I have now done as well. Goldman Sach 's sent me a packet to fill out and requested that I mail it back to them. I will not be mailing it, however I will upload it to this portal so that their actions may be monitored by a federal consumer advocacy group since they have proven to be such predatory and unscrupulous bankers in their attempts to harass me about a loan I did not request, receive or benefit from in any way. I have attached the filled out packet to this portal. I previously provided Goldman with proof that I did not even reside at the address they have on the loan documents. The proof I provided was a signed executed lease agreement at my current residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice from Ocwen Loan Servicing saying they had discontinued the service that had made automatic payments from my bank account via ACH. This notice came very close to the time my payment was due and contained a form to initiate ACH payments. I filled out the form and returned it the day after I received it and before the next payment was due. Ocwen rejected the payment saying I had to pay the loan 30 days in advance for them to activate the payments. This was something I did when I originally set up the Automatic ACH payments they just discontinued. The issue was escalated to an " escalation manager '' who suggested reversing the extra principal payments to allow the ACH payments to be set up. He did this and then told me I had to go to their website to set up the payment. Their website will not allow me to log in, allegedly because the zip code does n't match the loan number on the account. The Zip code and account number were entered as instructed by Ocwen. I have sent them multiple letters and they reply with a form letter telling me to enter the correct information. In doing this, they have caused many of mortgage customers to be late on their payments and if they did this to thousands or hundreds of thousands of customers, they have heavily profited from their inappropriate actions and the extra payments provided them with a very large boost of capital that may or may not be actually benefitting the customers accounts. So Ocwen said they would n't make any more payments that had been ongoing via ACH for years and in the same letter said I could set up an ACH Payment but ONLY if I pay them payments that are n't due for a month!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a call from a loan me agent on XXXX from phone number XXXX claiming I owed an additional {$82.00} for my monthly payment which is {$210.00} that I paid on XXXX the monthly payment is due on the XXXX but I paid it XXXX using the XXXX payment system that says its supposed to post within 4 to 6 hours of that day I called the number on XXXX XXXX I got a recorded voice message saying no available agent in the que at this moment I have also only received one single payment coupon to pay on this account so I dont know how much is owed I did get in touch with someone that said it {$3500.00} but ive been paying since XXXX and making bigger payments Because they also said it was a no prepayment penalty account which I assumed ment if made a bigger payment when it was possible it would help pay down the debt this person that called was claiming I was supposed to make a payment that was more than the minimum and it was being calling none payment of the loan If there is any assistance that can help me loanme it would be appreciated Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the FCRA the list of accounts below has violated my Federally protected Consumer Rights To Privacy and Confidentiality under 15 USC 1681 I told the XXXX, TransUnion and XXXX to Reinvestigate these accounts However they stated everything was complete and accurate but how is that possible if the open date date of last activity and much more is incorrect according to 15 USC 1681 I ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 USC 1681 Section 602 A States I have the right to Privacy 15 USC 1681 Section 604 A Section 2 It also states a Consumer Reporting Agency Can not Furnish a Account without my Written Instructions! 5 USC 1681 C ( ax5 ) section states no consumer Reporting Agency may make any consumer Report containing any of the following items of information any other adverse Item of Information other then records of convictions of crime which antedates that report by more then 7 Years 15 USC 1681 S-2 A-1 A person shall not furnish any information relating to a consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX for, {$930.00} has violated my rights. 

15 U.S.C 1681 Section 602.A states I have the right to privacy.

15 U.S.C 1681 section 604.A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. 



In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX for {$140.00} has violated my rights. 

15.U.S.C. 1681 Section 602.A states I have the right to privacy.

15.U.S.C. 1681 section 604.A section 2. It also states a consumer reporting agency can not furnish a account without my written instruction. 



In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX, XXXX XXXX for XXXX has violated my rights. 

15.U.S.C. 1681 Section 602.A. states I have the right to privacy.

15.U.S.C. 1681 Section. A section 604.A.2 It also states a consumer reporting agency can not furnish a account without my written instruction. 



In accordance with the Fair credit Reporting Act XXXX  account # XXXX XXXX XXXX bord for XXXX has violated my rights. 

15.U.S.C. 1681 Section 602.A. states i have the right to privacy.

15.U.S.C 1681 Section 604.A.2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2023-10-21
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IQ Data International was employed by XXXX XXXX XXXX XXXX XXXX Florida to attempt to collect a debt owed by whom they thought was me. I filed a police report in XXXX which I will attach below to demonstrate this ongoing problem and after reviewing numerous evidence at the department, the individual who was using my identity was actually XXXX XXXX XXXX XXXX XXXX and I am a caucasian male. They altered the picture on my drivers license and were using a fake California address. Detective XXXX XXXX of the XXXX XXXX Police Department is happy to speak with any parties necessary as well. 

Furthermore, IQ Data International mailed me a fraud packet which came 1-2 weeks late and I filled out and returned the necessary information and then more. I followed up today and they stated they mailed another fraud packet on XX/XX/XXXX to my address, however, they stated they never received my initially returned packet well over a month ago. I had a return address on the envelope and I never received the mail back, therefore, it exists somewhere in their hands or more shady actors. This was deeply personal information to prove my true identity and they just blew it off stating they never received anything and to start over. 

XXXX XXXXXXXX XXXX was beyond faulty and potentially criminal initiating this lease as they did not run my credit as my credit is frozen with all three bureaus and distributed a false lease under my name. How this occurred and oversight was not utilized is deeply chilling and then employing a collection agency with similar behavior to drop the ball just exacerbates everything. 

Detective XXXX XXXX is going to have to subpoena the apartment complex and potentially the collection agency as they have not been cooperative. The issue is I live in Illinois and my identity in this instance was stolen in Florida and different legal jurisdiction has to be involved to pursue the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29
Company: Receivable Asset Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Kramer & Associates has been contacted on two separate occasions and have told them that we do not know what debt the Collection Agency is referring. We even contacted the original creditor to try to understand what they are talking about. This Company refused to talk to me about the debt. I believe that is an attempt perpetrate a sham on our company.XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-10-21
Company: FIRST PORTFOLIO SERVICING INC
State: IN
Product: Credit reporting 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 just noticed a hard credit inquiry from Revvi Bank on XX/XX/2022. There was no direct benefit or authorization for Revvi Bank to access my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2020 {$38.00} Wrote the corp. informed them that As consumer, the natural person, and the original creditor Pursuant 15 USC 1602 ( g ) my SSN card is my credit pursuant 15usc 1602 ( l ) I understand my SSN is an open consumer credit plan the are violating my rights 15 USC 1666b ( a ) which they are reporting to the CRA a late payment which is a violation They are damaging my consumer report by reporting this false allegations and seems don't care about the law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Ability Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date of Service : XX/XX/2013 Amount Owed : XXXX Since XXXX I have been trying to have this erroneous reported debt removed from my credit report. It has had adverse affects, especially at a time when I am trying to get a home loan. 
I was part of the hospitals financial assistance program and my date of services was XXXX out and covered by the program : XXXX. 

The hospital sent word that : " Ive just heard back from XXXX XXXX. Theyve confirmed that the account has been closed from ARS ( Ability Recovery Services ) per the financial assistance approval. They have also removed any derogatory credit reporting that was done as a result. '' Yet when I contacted the credit bureaus recently, they say the removal happens immediately once it has been reported and it has not been removed. 

I feel I have very little control over what is happening to my credit. The credit bureaus don't care about the proof I have submitted or what I have to say or what the hospital has to say. They only want to take the side of the creditor which is a 4th party at this point. I can not live with this type of unnecessary stress and now am having negative repercussions for something that never should have been sent to collections and on my report to begin with. 

The hospital has been amazing and has done all they can do. I am extremely impressed and thankful for their help. This is now up to Ability Recovery Services to remove this account from my report immediately. Not when they feel like it, but immediately. 

I'd also like to send a complaint about the bureaus for not performing proper investigations into this and for not accepting the word of the hospital and proof I sent in. This could have and should have been handled immediately once they received all of these documents. They also refused to contact Ability Recovery Services. So tell me, how can they perform investigation on disputes without proper communication? 

Thank you in advanced for your help in this matter.

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 2023-10-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently got my account closed without even being notified. i got money transferred to me account and as i was trying to buy something my card declined but i had money on it. I called the bank and they told me that my account was being closed and they didnt tell me why. i called again to find out the reason but still no answer and since the account is shared only mine is in the process of being closed. I was informed that i couldnt open an account with the bank anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$16000.00} ; XXXX  XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$8400.00} ; XXXX  XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$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 explanation