BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making impound payments for taxes and insurance since XXXX. My house insurance policy for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX should have been paid from the impound account but has not been paid as of today XXXX/XXXX/XXXX. 

In XXXX XXXX I received a call that my insurance premium payment due before XXXX/XXXX/XXXX for the following year XXXX. I called Arvest Central Mortgage several times in XXXX XXXX and again on XXXX/XXXX/XXXX. Each time, I was assured that the " check was in the mail. '' But I just called ( XXXX XXXX ) XXXX XXXX XXXX and payment had not been received. 

I had to make an emergency credit card for 30 % with the promise of a refund when payment was received from Arvest Central Mortgage. 

I have not received any notice from Arvest Central Mortgage regarding the status of my home insurance in XXXX XXXX or XXXX XXXX. How is this possible since home insurance is required under the loan documents? Something is very very wrong and I can not get any answers from Arvest Central Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX ove r XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I 've been trying to deal with this doctor XXXX XXXX for years now with no avail. I only saw the guy two time in which he prescribed me medication, that i was n't suppose to be taking. Then I come to find out at this doctor was a fraud for organizing and scheme patients and insurances for years. He was take XXXX of dollars in brides. When I call the office to fight the claim the nurse would give me nasty attitude one even cussed at me and threat me if I did n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was told by XXXX Bank, that 2 accounts that I have with them, that have been paid on time for the last 17 months, were indiscremantly closed by TransUnion, as a result of a review by TransUnion. XXXX said that TransUnion felt that it was in the best interest of protecting the account, ( that was paid on time perfectly!!! ) by closing it. I have NEVER herd of a Credit Bureau Closing an account. That is the responsibility of the credit grantor. The bureau just reports the information, that it receives from the grantor. 
I am being taken advantage of and need this resolved!! XXXX  is stating that while the accounts are closed, and show a ZERO BALANCE on the report, that I still need to pay them?? So they close my account, affect my credit rating AND want me to continue to pay?? This make no sense and we are living in an alternate universe. 
Please advise if a credit bureau is permitted to close credit accounts, if they are not directed to do so by the grantor. That would mean, that XXXX is lying about TransUnion closing the account, and they closed it for whatever reason. They granted the credit, I have paid perfectly on the account and now they close it. Unbelievable ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX we returned our leased XXXX to a dealership in XXXX because our 3 year lease ended on that day. 
In XX/XX/XXXX I learned the the vehicle was never reported returned by that dealership and the dealership was unable to locate the vehicle. 
In XX/XX/XXXX we went to the dealership to find the car, but the vehicle was not found while on site. Later that day we received a call from the dealership indicating that the vehicle had been found and the dealership agreed to correct the problem. 
In mid-XX/XX/XXXX I received a letter from a collection agency regarding balance on the account. After speaking with the dealership this balance was removed. 
The issue is that the account seems to indicate that I had a past due amount from XX/XX/XXXX to XX/XX/XXXX, when the vehicle had been in possession of XXXX the whole time and there should have never been a past due amount on the account.

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 2022-01-19
Company: Flagstar Bank, N.A.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank. They autodraft payments. I made balloon payments to pay off the loan. I left a small amount of principle remaining, so Flagstar can auto draft the remainder and close the loan. I discovered through my own research, that payoff required certified transfer of funds. There was no notice from Flagstar, and since the last payment was less than the automatic draft, the bank stopped drafting all funds, again without any notification. On the contrary, I received an email asking if I wanted to save {$1900.00} on refinancing the {$240.00}. That is evidence they know how to reach me. Also, I changed addresses before requesting the payoff amount ( via normal mail -- to ask for an e-mail occurs a {$30.00} fee, as it means loss of interest during transit from the Postal Service ). They sent the notice to the wrong address, and it expired before I could have my bank process it. Flagstar then assessed a late fee on the loan for a missed payment, which was missed as they didn't take 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 2019-09-23
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: Information belongs to someone else

Complaint:
This account was never mine. Never had XXXX XXXX XXXX   account in my entire life. It is a result of an Identity 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 non-monetary relief
Consumer complaint received 2019-09-23
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hello, I contacted iq data international on XX/XX/XXXX about a debt that was owed for XXXX which we came to agreement to settle for XXXX dollars which XXXX was paid on the XX/XX/XXXX and remaineding would be paid on XX/XX/XXXX and as part of the agreement I would have this collection removed from my credit and I would get a email showing that I had pay the debt. On XX/XX/XXXX I did not receive a email showing that I had completed the agreement and paid the debt. I decided to contact iq data international which I was treated rudely when I spoke with representatives about sending the email that we had agreed on.i called several times during the day which all I was told that it would be sent by the end of business day. The business day ended and still no email and they are closed on the weekend. So I called on Monday XX/XX/XXXX and asked to speak with the manager XXXX XXXX extension XXXX who was very rude and unprofessional and told me should would not be sending my email as we agreed when I made my settlement. She said now I will have to wait 7-10 business  day in order to receive that I had paid.this company practices shady tactics and lies I have upheld my end of the agreement They need to be investigated and put out of business I have now lost XXXX dollars on applications denials due to them not sending the email.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I was fired from my previous job in XXXX I have enough cash to make the payment that month but started a job recently this mont the ace cash express store I work with knew the situation I explained to them I dont get paid til the XXXX and would be in to make my fianance payment than they told me thats fine now on the XXXX I get a call about making a payment today which was not apart of the verbal agreement that was made about my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I believe I opened the account with XXXX XXXX XXXX XXXX around XXXX of XXXX. I currently have all my paperwork in storage. After a couple months of paying my bill I started getting late notices when I had made the payment on time. I called and they would say " yes, we see you made your payment. Just disregard the notice '' This happened several times and I would call and get the same thing. I asked " why does this keep happening? '' they said it was the fault of the store I bought the merchandise from XXXX XXXX, so I called them. They told me they had nothing to do with it, I need to talk to the finance company XXXX XXXX. I called them back and told them that and they said that it was n't them. I got tired of getting no where, so I just stopped responding to the notices since I knew I made my payments on time. I paid them off last month and I received a late notice for a bill I no longer have. I am currently trying to buy a house and was told my credit states I had two 90 day lates from this XXXX XXXX. I called them today XXXX/XXXX/XXXX and was transferred 4 times and still never got to the department that could help me with this. This company is ridiculous and I get no where with them. Because of this false credit report, I am unable to buy or rent a home which is why I am living in a friends XXXX with all my stuff in storage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2017 I used XXXX  's service to get credit reports from XXXX, XXXX and XXXX. I noticed that there was a 'negative ' account being reported. The account in question was a Wells Fargo line of credit for {$20000.00} that had a status of " Late 30 Days '', even though the account has a balance of {$0.00} and is closed. I contacted Wells Fargo and their analyst agreed it was incorrect and said she would work to get it corrected. I also opened disputes with all 3 credit bureaus. I thought the issue was resolved, but I just ordered new credit reports, and the account is still in " Late 30 Days '' status. This status has been a negative attribute on my credit report for over 2 years, I have followed the prescribed procedures, waited the 30 days the bank has by law to respond, and they have not corrected the problem. Just to be crystal clear, because the Wells analysts were confused on this point before I escalated : there were several periods over the life of the loan where it was 30 days late, but the CURRENT STATUS is PAID OFF with a BALANCE OF {$0.00}, which means that THE CURRENT STATUS CAN NOT POSSIBLY BE 30 DAYS LATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: TX
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account in question. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question. 

The unverified account listed remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Action Revenue Recovery, LLC
State: VA
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:
On XX/XX/2019 at XXXX someone named " XXXX '' called may work and asked to speak with XXXX , I answer the phones at work and when I asked who was calling he said it was XXXX and asked if he was speaking with XXXX XXXX . I asked him again who was calling and what this was in regards to and he didn't answer, he had only asked again if I was XXXX XXXX. and asked me to verify my date of birth He did not tell me where or why he was calling. He wanted me to confirm my identity without providing me any information or verifying a debt that was owed. 

I had already spoke to someone else who had called my work and told them not to call this number. I let this person know today not to call this number anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with Freedom Mortgage starting in XX/XX/XXXX. On XX/XX/XXXX, I submitted a letter to Freedom Mortgage from XXXX XXXX Appraisal District stating that I am exempt from Property Taxes effective XX/XX/XXXX due to me being 100 % service-connected veteran. I live in XXXX XXXX and also pay taxes for XXXX XXXX ( school taxes ). Both counties have me exempt and my property ID is the same for both counties. When I contacted Freedom Mortgage after sending the letter I was told it would be effective XX/XX/XXXX and I would see a change then. On XX/XX/XXXX I contacted Freedom Mortgage to notify them that I was still paying property taxes beyond XX/XX/XXXX ( which should be the only month ). I did receive a refund check sometime during XXXX for approximately {$1700.00}, but still continued to pay my full mortgage with property taxes. When I contacted Freedom Mortgage on XXXX XX/XX/XXXX ( I spoke with XXXX in customer service and XXXX in the Property Tax Division ), I was told I was only getting a partial exemption and not a full because they had just paid approximately {$900.00} plus dollars to the two counties for my properties taxes. Where is the other monies that I paid? I was told an Escrow Analysis would be done with a completion date of XXXX XX/XX/XXXX, but one was not done. I proceeded to call again on the XXXX XX/XX/XXXX, speaking with XXXX ( ID number XXXX ) and told that an escrow analysis was not done, but that she would submit one. I also spoke with XXXX in the Property Tax Division. I told XXXX it shouldn't be this hard to get my account taken care of. She said Unfortunately it is.My husband proceeded to call after the XXXX and was also told something was being done. Nothing again. I called ad spoke with XXXX from Customer Service asking how I can get my property taxes removed from my Escrow and she stated that I would have to wait a year since its a VA loan before it could be removed. I called on XXXX XXXX and asked to speak to a manager. I was put on the phone with XXXX in the Property Tax Division. She stated that my letter stating that I am 100 % exempt from property taxes and she said that letter wasn't good enough that I would need a letter from both counties saying that I'm paying {$0.00} dollars. I called XXXX XXXX and they stated that they don't write letters like that only that a veteran is 100 % and exempt from property taxes. XXXX XXXX is sending me a letter even though its the same property ID. I called back to the Freedom Mortgage Company to let them know what the counties said. I spoke with XXXX in the Property Tax Department. She said a case would be reopened and that Freedom Mortgage researchers would contact the two property tax offices to verify my tax exemption status and would be complete by XXXX XX/XX/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 2018-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wrote a letter to the credit bureaus regarding the reporting of XXXX XXXX XXXX and XXXX XXXX on my credit report. I requested that the debts be validated and both companies sent me a notification of debt and also previous monthly statements. According to air Credit Reporting Act, a debt must be validated by creditor by proving a signed contract or loan agreement along with proof of payments. XXXX XXXX XXXX and XXXX XXXX have failed to provide valid proof of debt. XXXX XXXX stated in the letter that they no longer even have the debt and that it has been sold to XXXX XXXX XXXX I demand investigation and to have these accounts removed from my credit reports with all three bureaus immediately.

Company response to consumer: Closed with explanation