BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Arvest Central Mortgage company put me in foreclosure during a period of unemployment due to the XXXX XXXX dissolving of the partnership. I was in a forbearance at the time that ended with payments starting after XXXX. When i called to start the process they told me that I couldn't pay and they would not let me and I asked on XX/XX/XXXX for a six month repayment. I was verbally approved. I asked to do a one year instead of the six month and was told to submit the paperwork which I did immediately. On XXXX XXXX, XXXX they filed a forclosure action. I spoke with the attorney and told they that a hardship was in process prior to the action being filed but they did it anyway. Many other events happened where they approved me then denied then approved then denied and utlimately approved for a repayment plan with a monthly payment of {$3800.00} instead of the {$1600.00}. This should have been resolved prior for lesser payments and without the excessive charges by the attorney and i was charged double fees. Once on the payment plan and they on the closing documents and Arvest central mortgage refuses to refund the excessive fees and charges. Then reported me to the credit agencies in XX/XX/XXXX as in foreclosure on an account that was paid in full on XX/XX/XXXX. No one will help me or even answer my questions. The attorney charged me for a hearing that was moot due to resolution which she didn't even know about and I had to tell her and send her the repayment plan because she didn't even know about it. Arvest Central Mortgage made many many mistakes and refuses to acknowledge or fix the situation. They knew or should of known of their wrongdoing but hey do not care and they lie about your account with them and with what they tell you.. it is always different. Plus they said they would do anything to help yet they didn't. This also caused me not to be able to get a car because they ruined my credit score with false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I would like to file a complaint against the following consumer reporting agencies. Experian and XXXX I originally made each of these agencies aware of inaccuracies on my credit report due to identity theft in XX/XX/2019. Each month since then I have sent them proof of those inaccuracies. In my recent disputes to Experian and XXXX on XXXX XXXX I submitted proof to them that the creditors had not legally verified my accounts. In addition I have sent proof that my address and drivers license number was different from the ones held on file by the creditors. Also The creditor were not able to provide the original contracts bearing my signature. However Experian or XXXX has not removed these inaccurate accounts.They have told me that these accounts were verified I questioned how. Their method of verification was not disclosed to me despite my request. These account are inaccurate and should be removed. These agencies also allowed the creditors XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to re age the accounts showing missed payments and a past due balance after being charged off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated calls from a debts collector named XXXX XXXX. They said I owe numerous credit card debts and I need to settle it now. I owe over {$4000.00} and I need to settle it now, they are going to take it to an attorney if I do not settle it now. They have called me more than 8 times a day on either my house phone or cell phone. They have even called after XXXX at night. They answer the phone just saying hello and the guy even laughed when I was asking questions. I have NEVER received any type of notice or anything stating anything the man said. I believe they are harassers and just want my money. We are in a Pandemic and he was demanding money. They are using scare tactics.

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 2021-08-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has violated my rights as a consumer/natural person under FDCPA law. I do not assume this alleged debt and I have made this known to them on multiple occasions. I am not giving them permission to furnish this debt on my consumer credit file. I have been oppressed by this company and humiliated for far too long. I have found this company violating my rights as a consumer. On many occasions I have been harassed by phone, They are falsely representing a debt that has already been paid for when my credit was extended. I request my payment of {$19000.00} be redirected to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: ERC
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 no idea who Enhanced Recovery is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Enhanced Recovery is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Enhanced Recovery Co as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Enhanced Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Enhanced Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citibank dba XXXX charged my credit card {$20.00} for a XXXX XXXX 2017 purchase from merchant XXXX. I did not recognize and formally disputed the charge, specifically asking for a copy of the charge. Citibank XXXX responded with a letter stating that it " had requested a copy of the sales receipt for the disputed transaction from the merchant ... .they have not sent a copy of the charge to us. '' Despite the lack of documentation, Citibank XXXX wrote " we consider this charge to be valid '', offering no proof whatsoever. And, Citibank threatened to " report ( my ) account as past due to the consumer reporting agencies ''. This is collusion between Citibank and XXXX. It is against the public interest for a bank and its credit card subsidiary to seek payment without any documentation of a charge.

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 2020-05-19
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated calls from a debts collector named Midland Credit. They said I owe numerous credit card debts and I need to settle it now. I owe over {$4000.00} and I need to settle it now, they are going to take it to an attorney if I do not settle it now. They have called me more than 8 times a day on either my house phone or cell phone. They have even called after XXXX at night. They answer the phone just saying hello and the guy even laughed when I was asking questions. I have NEVER received any type of notice or anything stating anything the man said. I believe they are harassers and just want my money. We are in a Pandemic and he was demanding money. They are using scare tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: Lending Club Corp
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have a 25 % -35 % personal loan with Lending Club out of XXXX XXXX, Ca. I took out a loan in XX/XX/XXXX. I took out another loan in XX/XX/XXXX. I was unaware that the New York state law allowed only a 16 % interest rate or less on personal loans from financial institutions. I sent a written request to Lending Club and was told that they loaned me this amount based on what the federal government allows. No specific comment was given why they gave a rate much higher than what NY state allows. Please send me information on how I can proceed with this lender since it appears the company is operating without regard to usury laws in New York State. 
Referenced law in NY : https : //www.dfs.ny.gov/XXXX Note : Attachment only contains one loan image since Lending Club has blocked access to the other loan. Both loans are over 25 %

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX has been reporting information to the credit reporting agencies without my written consent. I contacted the bankruptcy court and they did not release the information to them. My rights have been violated by XXXX and Transunion and my reputation has been damaged as a result of their false reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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: Public record information inaccurate

Complaint:
Request all nquiries be removed from my credit files account ASAP. 

I reported to XXXX XXXX on XX/XX/XXXX to attend XXXX XXXX XXXX at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the nine-week basic training course, I was transferred to the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the XXXX XXXX XXXX course in XX/XX/XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX. 

Submitted a police report identifying the high number of fraudulent inquiries number out times. Only several inquired are valid hard inquiries. I need all removed except XXXX XXXX XXXX and XXXX from all three credit files 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 non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 committed Identity theft/fraud XXXX I am a victim of identity theft and I never authorized this inquiry/account. 
This company XXXX opened a trade/credit account using incorrect address & name. 
They falsely posted that account to my credit report. 
I called XXXX customer support but no answer. They have no fraud department to submit complaints.

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 2018-07-27
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second complaint for this Company XXXX XXXX XXXX XXXX.I reported and issue on XX/XX/2018 to CFPB on this account in question compliant ID 1XXXX.The results came back that they did not have the information need to add this account on to my credit report. It was closed on XX/XX/2018 stating they were going to remove it from the all 3 credit bureaus. It was removed from XXXX and XXXX but not XXXX. I did a dispute on XX/XX/2018 with XXXX they responded that XXXX XXXX XXXX XXXX states its a valid account. I don't understand how they can say on XX/XX/2018 that's its valid but on XX/XX/2018 they was going to remove it from all credit sites. It has passed the 60 days from XX/XX/2018 for the removal. I would like to get this account removed off my XXXX report ASAP.I feel due to the circumstances with this creditor, I should not have to wait any longer due to the issue should have be handled by now. 
NOTE : I had to DO 2 DISPUTES WITH XXXX  to get it removed after they replied to the CFPB stating it would be removed. 

CFBP COMPLIANT NUMBER : XXXX XXXX XXXX File Number : FILE NUMBER is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and noticed tow accounts from Harvard Collections for {$740.00} and {$290.00}. Not sure where these debts originated from but wiling to settle to pay to delete both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was paid off on XX/XX/2020. As of this date, Loancare has not sent the lien release to the County probate office for recording. Alabama statute requires the lien release be sent within 30 days after payoff. I have contacted Loancare 3 times to get a status but every time I called, I was given a different answer. Twice, I was placed on hold for over 10 minutes then cutoff.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: I.C. System, Inc.
State: MD
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.C. SYSTEM, INC has flagged my XXXX account as Collections 2 times in one month. this account does not belong to me. 

I.C. SYSTEM, INC has flagged my account as Collections on XX/XX/2020. 
I.C. SYSTEM, INC has flagged my account as Collections on XX/XX/2020. 

These multiple flags and inaccuracy are hurting my scores.

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 2021-01-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chrysler Capital is still reporting erroneously on my credit file. They have removed a few lattes but I need them all to be removed. These late 's were their fault. I had filed an extension and was approved. I thought everything was good to go until I checked my credit file and noticed the late 's reported. I called back XXXX  to see what was going on and they stated that I had not signed the extension contract. I explained to them that this was a mistake on their behalf because I was never advised to sign the contract. They awknodlge the mistake and sent me a new contract to sign but said they would honor the fist extension and remove the late 's. The late 's are still being reported on my credit file. This is so ridiculous. I've tried resolving this a few times and have received the same response. I am very disappointed that the company is not following through with their word to remove the late 's. I was not late, the company promised to remove the late 's and I need them removed. This is taking too much of my time, money, and energy to get sorted out though it is THEIR FAULT. I need these late 's removed. I did everything right on my end and they messed up but not having me sign the contract. I have tried numerous times to get the late 's removed but they will not although they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was shopping for a first mortgage and I came across Amerisave on  XXXX. I am currently in the process of a refinance so I thought I would compare pricing. I filled out the information except for SSN etc because I did not want my credit pulled while in the middle of a mortgage process. I told XXXX XXXX knew my debt ratio, my value, my 3 credit scores and the LTV I wanted for cash out. She refused to tell me what the rate could be, but insisted on finishing the application, pulling my credit can collecting a XXXX dollar NON REFUNDABLE "  good faith '' fee she called it. She said it was to insure I do not drop off the face of the earth after we start the application. After asking if this was necessary, she insisted it was to get a rate quote. I knew this was a violation of DODD Frank and it reminded me of the days of Ameriquest and XXXX. After resisting her aggressive demeanor to collect the XXXX dollars and pull my credit, I just hung up. 

I proceeded to give her another chance and emailed her again on XX/XX/2020 to resolve this issue and just get a quote without collecting a fee or pulling my credit. I even asked her to check her rate sheets with the information provided. 
She stated she would not do that and that she had other people to help instead. 

Why would I have to pay a non refundable fee to see what my rate could be? Never asked her to lock in a rate just a basic quote with the information provided. I had the the LTV, DTI, credit scores and that it was a primary cash out refinance. She had all the information she needed to check the rate sheets but refused unless I " paid to play ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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:
Child support enforcement XX/XX/ And all hard inquiries to be removed that I was told would be removed due to fraudulent inquiries that I did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1000.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} CHAPTER XXXX BANKRUPTCY 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 explanation