BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
we got a covid related forbearance in XXXX of 2020 for my husband mortgage. He pasted away from covid in XX/XX/2020 - I was receiving past due notice but Arvest said that we auto generated. My name was not on the loan but I had power of attorney and submitted will etc.. They asked in XXXX how i wanted to take care of the past due balance ( 6 month of payment for the forbearance ) the gave me a defferal option which is what i opted for. They said I would be getting the paperwork in the mail within 2 weeks - my forbearance ended in XXXX and I began making the payments on the account - they talk to me about the loan but said I was on the loan and I wasnt named successor because of probate etc. My attorney advised me that I was and drew up a administator deed for me and that allows me to act in full interest which is what Arvest said I needed to make the defferal or modification to the loan. I did everything they requested and still wont allow me to do modification or defferal on the past due balance on the mortgage and said they were going to forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is regarding the XXXX XXXX store credit card issued by XXXX. In XXXX I XXXX I went to XXXX XXXX store in XXXX of XXXX to buy electronics. After purchasing I went to the cashier to apply for the XXXX XXXX credit card. The cashier took my driver license and processed the application. After processing the application the cashier told me that my application is rejected due to information mismatch. So I used my credit card to pay for the purchase. After one month I received a statement from XXXX showing that I opened the credit card and it was showing a annual fee of {$30.00}. I called XXXX and told them that my application was rejected in the store and I used my credit card to pay for the purchase. I requested them to close the account because I don't want to pay for the annual fee. They told me that they will close the account. After one month when I checked my credit report it was showing 60 day late payment remark on my transunion, XXXX  and XXXX  credit reports. I immediately called XXXX and reported the matter. They promised to close the account and remove the late payment report from the credit reporting agenies. In XX/XX/XXXX when I checked my credit report, it showed a serious delinquent or missed payment report on my credit report. I AM GOING TO XXXX XXXX  AND THIS REMARK IS CAUSING ME PROBLEMS IN GETTING LOANS AND APARTMENT LEASE. PLEASE HELP ME TO REMOVE THIS REMARK FROM MY CREDIT REPORTS, SO THAT I CAN GET LOAN FOR MY 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 2021-07-16
Company: T.S. Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a debt to collect from IQ Data after annoying phone calls. The letter is not on a company logo and looks fake. The envelope is date stamped XX/XX/XXXX but was not mailed until XX/XX/XXXX. No one signed the letter and only put a # XXXX. 
I replied to my landlord back in XXXX ( at the time a debt was being paid ) and collected for them after I moved out. Fraud started to occur with the payments and the account. I disputed it timely and it was left alone no one continued to contact me. They always had my current mailing address. NOW out of nowhere this IQ collection letter comes in my mail BUT not until AFTER they wrongfully dinged my credit with the collection item AND it is not SHOWING as DISPUTED on my account. THEY have also added interest of over {$400.00} to a timely disputed account WHEREIN I never even rightfully got my security deposit back either. 
MOREOVER, I have security freeze and fraud alert on my social AND neither alerted me to this item transaction going on my credit. NOR are they acknowledging any of the correspondences that I keep legally sending to them. I was wrongfully denied a refinance because of this illegal activity placed on my credit that is not showing correct data, how much I paid to them, or that it was disputed timely back in XXXX when I contacted the city of XXXX and the county of XXXX for them having a aoartment building that was not up to code and the XXXX XXXX XXXX for them engaging in accounting fraud. 
FURTHERMORE the orginial landlord sold the property to another company back in XXXX and they did not pursue any more collection back then. IQ data has two address : XXXX XXXX XXXX XXXX WA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
It has been nearly three months since I first reached out to XXXX, XXXX, and Transunion about fraudulent activity pertaining to credit file. I have sent XXXX, XXXX, and Transunion several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on Transunion, XXXX, and XXXX   after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my XXXX, XXXX, and Transunion report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. XXXX  recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611.  Accounts XXXX   XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX were never established or opened by me and are the direct result of identity fraud and or theft.

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 2019-10-22
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Bread Financial Holdings, Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
I have consulted with attorney regarding medical hardship. Submitted several court XXXX documents and letter. Company is fully aware. XXXX treatments failed. Can no longer pay debts. Have no collateral, etc. Attorney directed me to send documents so options are available for company to write off debt due to medical hardship. Company still showing late payments. Never was late, always paid my debts. No one asks for XXXX. Asking for info be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Freedom Mortgage Company
State: PA
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:
Freedom mortgage is the institution who is responsible for our loan. y nXX/XX/XXXX we summited our payment thru their online services as we did every month. We received a confirmation number that the payment was process correctly like we do every month. On XX/XX/XXXX ( approximately ) we received a letter from them that they never received the payment, when I logged in to my account I find out that they where correct. They express to me that the payment got reverse because an error on the routing number I told them how is that possible if in the past we have entered the wrong routing number and the system will give you an error in the page. After giving us poor excuses I told them that I logged in and the payment showed as reversed but that we do have a problem with making the payment. We proceed to make the payment over the phone they offer to remove any late fee and charges without us even asking because they understood their was an error on their end. On the XX/XX/XXXXwe received a credit alert from 2 of the monitoring company that we use that we missed a payment we got the letter on the XX/XX/XXXX and we call the same day and made the payment. We reach out to Freedom Mortgage on the XX/XX/XXXXand explain again the situation first they couldn't open an investigation because they couldn't find my account number we gave them names on the loan, address, a correct phone because they had a wrong one also provided them the loan. After that they emailed us back on because they said that they needed more information we send picture of their website showing them what kind of error their system will give you when the account or routing number doesn't match. After that they requested proof that the money was there when the transaction was made, we send that information proving that there was more than enough then they send us another letter on XX/XX/XXXX that they were unable to honer our request.

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 2021-07-16
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX for a Citibank, NA stating I owe a debt of XXXX regarding My Best Buy visa. I never had a Visa from best buy. I don't owe anything. This is not mine. 2 dated XX/XX/XXXX and letter state the same thing from first letter dated XX/XX/XXXX have not received any thing from another company just from 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 2018-05-04
Company: CITIBANK, N.A.
State: MA
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:
I owed SEAR/CBNA and settled the debt with the company in XX/XX/XXXX. The company stopped reporting on my credit report in XX/XX/XXXX. For no apparent reason, the company started reporting on my credit report with XXXX since XX/XX/XXXX. Nothing has changed. I have disputed the item with XXXX, but they have failed to remove it.

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 2021-07-16
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
equifax for years have provided incorrect information on my credit report. This is my second time going with to the cfpb. 
THey still refuse to do the right thing. I have contacted them by phone over 20 times. 


They refuse to add my XXXX  Credit Card That was opened XX/XX/2020 They refuse to report XXXX XXXX XXXX that was opened XXXX, XXXX 2020 They refuse to report my XXXX XXXX  credit Card that was opened XX/XX/2020 They said my XXXX XXXX XXXX auto loan acct was closed but it is still opened and I am making ontime payment. 


I request you use the my XXXX report as a refrence. 



Again I am looking to buy a house and Equifax continues not to report the positive stuff on my credit report. 


All finace companies I am complaining about report to all 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Ability Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today XX/XX/2020 I reached out to Ability Recovery to satisfy a debt. This debt was accrued due to false, misleading information from XXXX University which led to me attending classes. After learning of the misleading, false information I ended my relationship with the institution. At that time {$5000.00} was charged to my account. To prevent negative information from reporting to my credit I began making payments as I can recall, because XXXX will not provide me with billing information I paid the account down {$3700.00}. XXXX sold the account to a collection agency and they are charging in access of {$700.00} I am still making payments and inquired in the {$700.00}. The representative immediately became rude and said I was giving him a hard time and hung the phone up. No one will tell me where the {$700.00} was applied. REP. XXXX informed they do not charge any fees and to contact XXXX to see where the money was applied. I attempted a conference call XXXX informed he cant do third party calls. No on will provide me with any information on the money I already paid towards the account and they are tellling me its just cheaper if you pay 2700+. Also I am currently making payments towards the account they continue to hang up as soon as they answer the phone and XXXX told me to get a life and pay my bills.

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 2018-06-13
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
I have numerous accounts showing that I have late payments that have fallen under Sallie Mae all in and around XX/XX/XXXX through when the name change to Navinet XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. Sallie Mae is listed 9 times 1. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. Sallie Mae opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. Sallie Mae opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. Sallie Mae opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. Sallie Mae opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. Sallie Mae opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. Sallie Mae opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX /XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to Navinet and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX has incorrectly reported a higher current balance on the mortgage three times in the past four months. After I filed disputes to the credit bureaus they corrected the reported balance to the correct, actual balance. On XXXX XX/XX/2021 they corrected this information. Then again on XXXX XX/XX/2021 they corrected it. And now as of XXXX XX/XX/2021 they are again reporting a balance that is {$12000.00} higher than the actual current balance. Three times makes a pattern, and I am concerned that the company is taking retaliatory steps to try and hurt my credit rating because I am currently in forbearance due to COVID impacts on my employment. If not, then at the least this demonstrates poor practice with handling sensitive consumer data.

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 2020-05-11
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical Data Systems/Medical Revenue Services,  XXXX, FL, attached a debt of {$1300.00} to my credit report for a debt owed to XXXX XXXX XXXX, Tx by my XXXX yr old daughter, whom I had no contact with from XXXX, and lived XXXX miles away in XXXX Texas XXXX since XXXX. 

Services were performed XX/XX/XXXX and I never received a bill or statement from XXXX XXXX XXXX. I did not know it existed. 

In XX/XX/XXXX, I received a collection letter from Medical Data Systems, XXXX, FL aka Medical Revenue Service. 
I called them when I received the collection letter in XX/XX/XXXX and spoke with an agent that said she would verify the dispute with XXXX XXXX XXXX. I never heard back from her. Repeated attempts got nowhere. 

In XX/XX/XXXX, I opened a notification from XXXX Credit Reporting and Medical Data Systems aka Medical Revenue Services had attached the debt to my credit report as a negative debt. That was pretty bold of them, and since I am married to a XXXX XXXX  of a XXXX XXXX agency myself, I know my consumer rights. To put their company in that position is extremely unwise. I called one of our favorite attorneys who specializes in these matters for my husband 's employer and indeed, was advised that I have been violated once they reported it to the credit bureaus. 

I disputed with XXXX twice, whom doesn't even have my birth year correct. Whatever they " investigated '' wasn't much and insists the bill is " relevant ''. It isn't relevant to me at all. I was never there and this is an adult child who is very capable of paying her own bills. 

I will also be filing a formal complaint against XXXX  as well since they can not prove the bill is mine, but I have proof that it isn't. 

Now that Medical Data Systems aka Medical Revenue Service has attached a bill that has nothing to do with me, nor was signed or authorized by me in any way, with full proof of my location XXXX miles away, on XXXX XXXX Location and a GPS app, I have been violated under the FDCPA and have retained an attorney to sue for damages. 

My daughter is an adult, insured by my ex husband through XXXX XXXX, XXXX XXXX and she is not my responsibility. 

I have also made a formal complaint against Medical Data Systems aka Medical Revenue Services, XXXX FL, with the Texas Attorney General, XXXX XXXX 's office. 

My attorney is : XXXX XXXX XXXX XXXX XXXX  XXXX, MD

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 2021-07-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
RE : Citizens Bank All paperwork had been filed and initial discloser issued XX/XX/2021. 
Pre approval was provided, a commitment was made XX/XX/2021. It took over 45 days to be engaged by their independent appraiser. the appraiser within close to a week provided an appraisal on XX/XX/2021. XXXX XXXX reached out to complete some paper work on XX/XX/2021 and the required information was provided that day. 

I have reached out several times with no response to everyone that had communicated with at Citizens. I reached out several time again. XXXX XXXX is now the XXXX XXXX contact of who I tried contacting, but no response again. A month after being notified that XXXX XXXX was the new contact, I received one email stating he was " looking into it ''. I finally reached him by phone and there was no examination other than having to review my credit score ( NOW 6 MONTHS LATER ) and they weren't processing any refinances. 

I do not know what to do. I was setting up a refinance for lower monthly payments, lower interest and relief from the pandemic financial hit. 

I'd like to use another bank, but Ive paid for the appraisal and exhausted a lot of time. 

Please assit me in finding a resolution. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
i recently looked at my credit report and found 1 fraudulent account. 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