BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
Company: Alliance Recovery Group
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Was getting ready for work and got a call on my cell phone at XXXX XXXX I did not answer since I was busy. There was a voice mail left telling me about a complaint that has been filed against me and to call them back. It was the same call I got the day before just a different name of the person but it was the same voice on the phone. The previous call was was while I was working. Plus the caller id number was from a city I do not know anyone in on both calls I do not answer unknown numbers. The phone number is linked to Alliance Recovery Group.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: MO
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/2017, disputed all accounts negatively impacting my credit due to old accounts still showing up and incorrect account information about balances and payments and identity theft and false statements on accounts.

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 2019-05-29
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I called XXXX XXXX, XXXX that is the collection agency handling my Citibank Credit card account which I apparently owe {$1400.00}. This amount reflects on my credit report. I called to offer a settlement of 50 % of my debt and submit a payment today. I called XXXX XXXX 3 times today and was on hold for over an hour and transferred more than 3 times to different departments. I spoke with a XXXX XXXX and she gave me the number XXXX ext XXXX and told me to call them to make payments. I called twice and left 2 voicemails and nobody called me back. I called XXXX 's main phone XXXX and was then directed to XXXX XXXX and stated I needed to make a payment today because I am in training and I will not be available due to duty requirements and I need to make a settlement payment today. He put me on hold for over 30 mins and then I was transferred to another department where I waited on line again for an extended amount of time. Someone eventually answered and told me that I would have to call back in a couple of hours or someone will contact me. XXXX XXXX called me back and said that he had been discussing my account with the Liasion and management and then the soonest they could get back with me was in 7 days and if I was in training then I would have to call them back at my availability to make payment. I tried several attempts to make payments today to settle my account and I also talked with a Supervisor but no one was able to accept my payment and then ultimately said they would have to contact me in 7 days but not offering any explanation as to why. I did let them know I was an XXXX XXXX member that was currently in training.

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 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion has INTENTIONALLY damaged my reputation and committed WILLFUL neglect/negligence by not removing inquires and accounts I did not consent to. I will continue to dispute this issue until it is resolved. I will take legal actions if needed. Attached is 32 facts backed up by congress. Those 32facts are also violations, TRANSUNION has committed.

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 2018-09-22
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX we contacted Arvest regarding options for home loan modification or options as we qualify according to our lender. When I called Arvest to get information they said We do not let anyone speak to the people that handle this. Terrible policy especially when you are needing to know your options. 
They then tell us to fill out paperwork for hardship assistance but it isnt available and must be mailed. 
We call back 3 weeks later as it was never mailed. We have informed delivery from the post office and can prove it was never mailed. I spent another 30 minutes and they said they would mail it. It never arrived. Instead they sent us a small loan application. Then we call again and request the application. No letter. This time we get a letter to remove authorization of a user. Still no application. Finally, today we get more mail from Arvest but not the hardship letter. So 3 letters from Arvest have arrived in the time 0 letters regarding our hardship. Closing in on 6 weeks they have delayed our options costing us now 1 mortgage payment and another as the process will be delayed. 
We qualify for hardship assistance from our lender but Arvest the services refuses to do their duties. Theyve failed to do their due diligence acting as servicer, delayed paperwork critical to our mortgage, have policy that is anti-consumer by refusing to let you speak to someone regarding options and are misrepresenting facts regarding the mailing of the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: EQUIFAX, 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:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
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:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

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 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Transunion. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Transunion has failed to provide the method of verification as required under Section 611 ( a ). 

Transunion has not only failed to provide verification ( written  documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Transunion updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.

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 2022-08-05
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: Public record information inaccurate

Complaint:
I started a chapter XXXX bankruptcy in 2018 which included XXXX ( formally known as XXXX XXXX XXXX XXXX ). I completed the bankruptcy and it was XXXX. During court proceedings, XXXX did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was XXXX. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, XXXX  has reported me being XXXX  days late on payments to this non existent account. This has down extensive damage to my XXXX XXXX. I am also including documentation from the bankruptcy showing that they have been 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 2020-05-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX  IS REPORTING CLOSED ACCOUNT WITH 3 LATES 30 AND 90 FOR XX/XX/2019-XX/XX/2019 
XXXX XXXX  XXXX I was never late during the month it shows on the report. IN MY PREVIOUS ATTEMPTS TO RESOLVE THIS ISSUE I HAVE SUBMITTED PROOF OF PMNT ON THIS ACCOUNT BUT YOU HAVE NOT CORRECTED OR DELETED THIS ERRONEOUS ACCOUNT. AT THIS POINT THIS ACCOUNT IS IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS ON 3 COUNTS. I HAVE PREPARRED MY COMPAINT TO FTC AND WILL FILE IF THIS IS NOT DELETED OR CORRECTED TO NO LATES, POSITIVE ACCOUNT WITHIN 15 DAYS OF THE RECEIPT OF THIS LETTER. 
XXXX XXXX  NOW RECEIVED 4 LETTER AND NUMEROUS CALLS IN ATTEMP FOR RESOLUTION AND HAS FAILED TO REPLY COMPLETELY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: MARINER FINANCE, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/19 Personal Finance Company XXXX contacted me from XXXX advised she was handling my account with Mariner Finance and that I was one payment behind. I advised I would pay one payment of {$110.00} on XX/XX/XXXX. XXXX then attempted to collect a 2nd payment from me that was due XX/XX/XXXX not past due yet. I advised payment was not past due yet and XXXX used a derogatory term toward me and spoke down to me by calling me " honey ''. I asked to speak to a Supervisor and she transferred me to a Mariner Finance branch. I asked the lady at Mariner to speak with XXXX 's supervisor and she transferred me to XXXX XXXX 's voicemail with Personal Finance Company. I left a voicemail message and XXXX XXXX called me back about 30 minutes later. XXXX XXXX advised me she was confused about why I was complaining and that XXXX was only doing her job. I repeated back to XXXX XXXX that her stance was XXXX was doing her job. I requested an address to write a letter of complaint and XXXX XXXX refused to provide me. I then asked to speak with her boss she advised she was not available and would not provide me with a phone number or address to contact her boss. She did provide her bosses name XXXX XXXX and stated she would have her contact me. XXXX XXXX then terminated the call. I believe that calling someone honey or sweetie you're telling them you see them as a subordinate, a child, someone who needs benevolent patronage.

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 2017-08-05
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I did not receive a XXXX bill for my Target store card. I called to request a statement. When it arrived, they had added a {$27.00} late payment fee. I submitted a billing dispute for the late fee and included a check for the {$190.00} undisputed portion.
They have acknowledged receipt of my dispute and the check has been cashed at my bank. However, they did not remove the {$190.00} from my account and have continued to levy interest and late payment fees as well as sending a threatening collection letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This account is in error and the credit bureaus are just doing the same old thing over and over again, and it is just tiring. I disputed the information and it came back verified even though the information was incorrect. As showed in the picture below the date opened for for all three bureaus are wrong, the account balance is wrong, and the date last active is just wrong. I wasn't even in XXXX all of XXXX, I have been living in XXXX since the end of XXXX. I'm in talks with a new potential employer and due to their requirements I can't have any collections on my credit report.

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 2018-09-24
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I contacted the company to file a dispute. The representative process my dispute and I was told within 7-10 days I will receive a provisional credit while waiting for the investigation to complete. It is now XX/XX/XXXX and I have not receive any provisional credit I supposed to receive while a pending investigation. It appears the company is not following the policy of a provisional credit to the customer during the dispute process, so the customer can have the use of their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/19 I disputed the XXXX XXXX account with Equifax. Equifax stated that the account is valid. I reached out to XXXX XXXX and they were unable to provide me with validation of the debt. If XXXX XXXX could not provide me with the documentation how did they provide it to Equifax? Clearly they didnt. 

I then requested the method of verification from Equifax. That I have not received. 

XX/XX/19 I sent another dispute telling Equifax to delete this same account because they are violating the FCRA by reporting a past due balance on a collection. 

Equifax is still reporting this account and it still has a past due balance and have not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had my credit cards for many years with TD now, and have had excellent payment and credit history. I called customer service today to ask if I could be considered for a lower rate on my cards and was told that the current rate is the rate I qualify for and there was no one else I could speak to. I asked if he ran my credit to make that statement and he told me he did not. I explained to him that my credit has improved since i first got the cards years ago, but he still offered no assistance. I have banked with other banks and this is a common practice-to review a longstanding customer for consideration of a rate reduction. I would hate to move my business to other banks just because you would not consider me for a rate reduction, as I have already been offered lower rates to transfer my balance to other banks, but I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Comenity bank has repeatedly harassed me and has even taken to calling me from blocked phone numbers. I know its them because I used the app trap call to verify that it is them making the calls. They call at all hours, repeatedly, and non stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: Experian Information Solutions 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 HAVE REPEATEDLY CONTACTED THE FOLLOWING COMPANIES ... 
XXXX XXXX XXXX XXXX AND XXXX XXXX ALONG WITH THE CREDIT BUREAUS TO HAVE THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT OR TO HAVE DOCUMENTATION WITH MY SIGNATURE SENT TO ME SO I CAN REVIEW THESE ACCOUNT EACH COMPANY HAS REFUSED TO SENT ME ANYTHING.

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 wanted to reach out to resolve an issue with a recent credit inquiryon my accountwithout my approval by XXXX  XXXX  XXXX  before I reach out to the credit bureaus and CFPB ( https : //www.consumerfinance.gov/ ). While I am out shopping for a mortgage, I have never applied for a loan with XXXX XXXX  nor did I authorize a credit check by this lender. 

I want you to be able to resolvethis for me at the earliest. This is outright identitytheft by your company and I want to make sure I reach out to you before I take further actions. 

XXXX XXXX  XXXX, XXXX XXXX. 

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 2020-08-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have written to TransUnion to dispute an XXXX credit card whose late payments listed on my TransUnion Credit report are over 7 years old beyond the time period allowed to exist on a credit report. Further I did also file a dispute withe XXXX  and with XXXX  on the same  information and that information and the record has been deleted from those credit reports but TransUnion still shows them on the report. I went to file a dispute online and their website will not allow an online dispute and only allows disputes by phone or by mail. They are the only credit company now reporting this information which is highly inaccurate beyond the legal time frames for reporting and making it so difficult to even file a dispute. Including when checking on the written I sent in they say they have no record of any disputes. They are completely disorganized and their records are not put to date.

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 2018-02-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out this Navient ( formerly XXXX XXXX ) student loan for my son - it started in XX/XX/XXXX. Over the next 3 years, we borrowed a net total of {$95000.00}. Since XX/XX/XXXX, we have paid them {$91000.00}. We have very rarely paid late ( 6 times in all, and on those occasions we paid double to show good faith, we paid late because we simply forgot - we pay on line and do not receive invoices in the mail ). There are months where we pay XXXX, and over XXXX is interest. 
How can this be legal? Out of the {$91000.00} that we have paid, only {$29000.00} was applied to principal, and {$62000.00} was applied to interest. My problem with this is that I have had several unsecured loans in the past, at around 8 %, and it was nothing like this. My current balance is {$66000.00}, and they project my payments ending in XX/XX/XXXX? Really? I have tried to get my interest rate changed and they told me to call my congressman. Attached are all of the documents. I believe this is slanted, not transparent from the beginning, and absolutely unfair. 
Please help me to do something about this. If I had known I was taking a loan from criminals that would be spread over a 25 year period, and would be this slanted - I would have never done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My Name is XXXX XXXX XXXX please have it reflect that way on my report I have attached my passport for identity purposes. Please remove any other addresses expect for XXXX XXXX XXXX XXXX PA 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