BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: ARVEST BANK GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer, Arvest Central Mortgage, has charged me a {$10.00} fee for " a fax for a payoff quote '', which I never agreed to. The fee is set arbitrarily and since my mortgage was bought my XXXX XXXX, I never agreed with Arvest Central Mortgage on these fees. What is more concerning, is this " fee '' never appears on my account history or is disclosed anywhere. I feel that this sort of behavior is highly predatory, as Arvest Central Mortgage could pick whatever fee they want and then not disclose it to anyone. What is stopping them for making it {$1000.00} dollars instead of {$10.00}? Why is it not appearing on my account history. I talked to them and told them I am would like the fee waved, but they refused, telling me to call my title company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: ACIMA CREDIT, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THIS ACCOUNT STATES IT WAS OPENED XX/XX/2019 I'M A TRUCK DRIVER AND WAS WORKIN ON THIS DATE. I NEVER SIGNED AN AGREEMENT OR GAVE THIS COMPANY CONSENT TO OPEN AN ACCOUNT IN MY NAME. THEY LET MY EX GIRLFRIEND FILL OUT PAPERWORK AND OPEN AN ACCOUNT USING MY INFO. IM SICK OF CALL AND DAMAGING FACTORS BEING REPORTED ON MY CREDIT. THIS COMPANY IS FRADUALENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a debt on only one of my bureaus which is Equifax. The debt belongs to my deceased father XXXX XXXX XXXX XXXX. I NEVER lived at the residence and I AM NOT liable for his debt just because we have the same name. The company name is : The XXXX AT TR ACCOUNT # XXXX The next item is because of COVID-19 that I got behind on this account. And that account name is : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have contacted Navient several times, since XX/XX/XXXX in regards to my student loan interest rate, which is consistently increasing. I contacted Navient again on XX/XX/XXXX to obtain loan information, but was not provided any additional information. 

My original interest rate with XXXX XXXX ( loan originating servicer ) was 4.5-5.0 %. According to Navient, the promissory note received from XXXX ( second loan servicer ) does not include the fixed interest rate and loan term for my student loans. As a result, I have been given a variable interest rate ( currently 7.2 % ) instead of the fixed interest rate of 4.5-5.0 % that I initially agreed to. 

I have requested a copy of the original promissory note from Navient and have not received the information.However, the company did send me a copy of my original loan application, which also does not detail interest rate or loan terms. 

XXXX sold my student loans to Navient in XXXX and according to XXXX, they provided all available loan documentation to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Duncan Solutions, lnc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get a call from this number 3-4 times a week during the day. Automated message, no options to speak to an operator and get me off the list. They give a website and number to call but I'm not comfortable doing that. They say they are a debt collector. I have no debt to collect. I've never had anything in debt collection. I've never gotten written notification from anyone regarding debt collection. My number is registered in the national Do Not Call registry. This is purely spam and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Concentric Receivables Management, Ltd.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We reached out to Concentric Receivable in attempt to get the accounts verified and get proof of verification but I have yet to receive any type of response. We sent a letter for verification of debt for two accounts on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have not used my Capital One card for a few years. They arbitrarily decided to close my account - which is fine, but in doing so, they reported to the credit agencies that it was closed due to lack of payment - not lack of use, that the account had over 45 past due payments and the amount was settled for less than balance. I contacted Capital One to report the error - they REFUSED to correct it, said it should update with the billing cycle next month. In the meantime, it has significantly impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have called Capital One Credit Card company and XXXX multiple times trying to resolve this. 

Capital One XXXX charged me {$100.00} in late fees and interest for a payment that they said was received 1 day late. 

On XX/XX/XXXX I used XXXX XXXX XXXX pay to enter a payment of {$3700.00} to be paid to Capital One on XX/XX/XXXX. This payment was for the entire balance on the card. 

The actual due date of the Capital One bill was XX/XX/XXXX. 

XXXX mailed a paper check to Capital One on XX/XX/XXXX, with a pay date of XX/XX/XXXX. 

Capital One says they didn't receive the check until XX/XX/XXXX, 8 days after it was mailed. They are unwilling to waive interest and penalty fees despite the fact the envelope was postmarked XXXX and the check was dated for payment XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CoreLogic Credco is not abiding by the permissible provision of the Fair Credit Reporting Act. CoreLogic Credco hard inquiry does not demonstrate Factual Data pursuant to the act CoreLogic Credco XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2017-12-19
Company: Hirshberg Acceptance Corporation
State: MI
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:
My State income tax refund was garnished and my bank accounts have been garnished. I do n't know what this is about. I have n't received information about this. To whom I supposedly owe money, how much, when etc ... I have tried to contact Hirshberg Acceptance repeatedly with no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep asking for them to remove my # i am not the person they are looking even tried asking what the call was for can not get an answer i know whom they are looking for but without them giving me any information i will give any contact info so i asked for them to stop calling me and i just get hung up i called back and they hang up on me also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE 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 information incorrect

Complaint:
I sent a letter to TransUnion over a month ago, didnt hear anything back, so i sent a 2nd letter asking them to remove the wrong accounts. I thought the credit bureaus had 30 days to respond? It's been over a month, Ive sent 2 letters and i have not heard anything back  from them!

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 2020-10-22
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: Information belongs to someone else

Complaint:
HELLO, MY NAME IS XXXX XXXX AMD I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY ID AND SOCIAL AND LATER USED MY PERSOANL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME.

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 2020-11-23
Company: EQUIFAX, 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 have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with XXXX on my behalf, with no response from XXXX. also i disputed with XXXX 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: NY
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 in amount of {$1200.00} XXXX has violated my rights and needs to be deleted from my credit report. XXXX XXXX5 U.S.C. 1681 section 602 A section XXXX : it also states a consumer reporting agency can not furnish an account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: ALCHRO 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: Account information incorrect

Complaint:
XX/XX/2021 I discovered inaccuracies on my credit report so I sent a dispute letter, My Demand is hereby made for FIRST FED CREDIT & COL to either properly modify or delete the inaccurate, incomplete, and defamatory Item of Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I am writing to file a complaint against OneMain Financial and its subsidiary, XXXX XXXX XXXX XXXX. When I obtained a loan from OneMain, I also purchased their XXXX insurance. Up until my second XXXX XXXX, my loan was paid ahead. The trouble started when I filed a claim on the XXXX insurance. What would seem like an easy straight forward matter, has turned into unending paperwork. My initial claim included the attached documents from the Social Security Administration as well as my XXXX. Both of these documents indicate that I am XXXX XXXX. 

XXXX XXXX has been very slow in paying on my insurance claim due to their continual request for documentation and their confusion with how the paper work was documented as well as lost faxes from my Drs office. ( the Drs office had confirmation from the receiving fax machine that the fax in fact went through ). Because XXXX XXXX and or One Main has dragged their feet and requested the same information so many times, the payments to the account have become past due for the past several months, even though I have given them the information they have requested in a timely manner. All of this has severely effected my credit report in a negative way, dropping my credit score dramatically. 

I was under the assumption that once the paperwork from my XXXX and myself was finally submitted to their satisfaction, XXXX XXXX would either completely pay the loan in whole or make regular monthly payments to satisfy the loan. 

XXXX XXXX now wants myself and my XXXX to completely resubmit the paperwork on a monthly basis in order to continue the claim. The information on the form these companies want filled out has not changed and will not ever change. 

My complaint and question is, Why? The Social Security Administration says I am XXXX XXXX. My XXXX on the XXXX XXXX form says I am XXXX XXXX. I also have a Parking Tag from the DMV indicating I am XXXX XXXX. I am never returning to work. Yes, I see my XXXX for scheduled appointments, but why do I need to waste the Dr and staffs time filling out the same paperwork. 

One of the reasons for my XXXX XXXX XXXX was Stress. I consider this redundant paperwork undue and is causing me unneeded stress. I do not want to have another XXXX XXXX because of all this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have used XXXX  like credit and have paid them off many times. I did not realize every time I used money it was like a new loan so I have like 20 XXXX XXXX on my credit reports They are all paid in full

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 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have written letters to have inquiries and companies that I 've never done any business with removed at least 3 letters this year to each credit bureau and I have asked for proof I never received any proof. I also contacted the companies they never responded, yet they never remove any of these items from my credit. I have sent letters to credit bureaus and companies to no avail. I have not applied for credit in over 15 years so I know these are not my items yet they wo n't remove them.

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 2020-12-06
Company: Convergent Resources, Inc.
State: TX
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 have provided this company with all documentation from the police department, etc, showing this depot is not owed and is u collectible but they continue to harass me. Ive received 2 letters in one day!!!

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 2020-07-24
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
Transunion did not investigate an account on my credit profile for XXXX XXXX XXXX this is not my account and I have never had an account with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Absolute Resolutions Corp.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX recently filed a claim against me on behalf of Absolute Resolutions Collections ( ARC ). I had received original letter on XX/XX/XXXX from them advising they had purchased an acct from XXXX XXXX I then sent them a proof of debt validation letter within the allotted 30 days as allowed. I NEVER received any other communications from them- until being contacted by XXXXXXXX XXXX  XXXX in XX/XX/XXXX who said theyd been hired by XXXX. At that time, I sent XXXXXXXX XXXX  XXXX correspondence requesting the same info as the amount was incorrect. My wife spoke with them two times via phone- repeatedly asking for this info. She was told by XXXX XXXX XXXXXXXX XXXX XXXXXXXX that the amount due doesnt matter. We can work around that. We sent a settlement offer which was supposedly denied at end of XX/XX/XXXX. Sent XXXX emails with no response until today when we discovered a claim had been filed on behalf of XXXX. Have not been served yet but got info off court website. Both XXXX and XXXX XXXX XXXX have made it very difficult to work with them and provide a true solution to clear up this issue. Non- communicable on both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I 've had a PayPal account for years. I 've got a linked credit card and linked bank account. 

PayPal is refusing to allow me to transfer money stored on PayPal to my bank as of Sunday, XX/XX/XXXX. The reason given was that I have a " withdrawal limit '' based on U.S. banking laws and need to supply two out of three pieces of information. I have supplied all of the required information and PayPal is still refusing to release my money. 

The pieces of information listed were : 1. supply a linked bank account ; 2. supply a linked credit or debit card ; and 3. provide your social security number. 


I had already provided the requisite two out of three pieces of information, but added my social security number anyway on Sunday, XX/XX/XXXX PayPal still refused to release the funds, citing a withdrawal limit and directing me to the same three pieces of information. When I tried to add my social again, this time it told me that I had done all that I needed to do. 

So, I waited. The next day, which was Monday, XX/XX/XXXX, at approximately XXXX a.m. XXXX, PayPay still would n't release the funds. I called them, but their hold times were long and they do not provide a message stating an approximate time that a caller will have to wait, so I hung up and sent an email instead. In my email, I noted that their website promised a response within 24 hours, so I explained the problem and also explained that I would file a complaint to the CFPB if they did not contact me or resolve the problem in 24 hours. 

I received an automated reply with information available in their " frequently asked questions '' section, which did not help me and which I had already read. I responded asking someone to please read my original email. 

I received a reply from a person, XXXX, that contained the exact same information from their FAQ that had previously been sent to me. I replied that I 'd already done this, and asking someone to please just read my email, but by this point it had been 24 hours and copied and pasted info from a FAQ is not something that I count as contacting me about the problem, as I 'd requested, so I 'm filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent a lot of letters to the credit bureau, because the errors are affecting my credit score a lot, but they don't respond my letters. Please investigate about my case and remove every error on it. I paid accounts with charge-off, and is still appering on my credit report.

Company response to consumer: Closed with explanation