BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-15
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit card
Issue: Other

Complaint:
I applied for this credit card and I did not receive it due to " an IP address issue '' having to do with fraud. I never received this card in the mail. I never did any transactions on this card because I did not receive it. I now have a charge-off for around {$1500.00} that I am not liable for! How can I have charges on a card that I never received, never used and never had? I contacted this company as well as the credit bureaus and XXXX told me that I had to pay them. They did not care that I did not receive the card in the mail. They would not assist me, would not explain it to me and would not pass me to upper-management. They said that because they suspected that I was not the one to apply for the account ( I was, of course ) that they would not send out the card. So why do I have to pay them for something that I had no access to??? I 'm not, and it needs to be removed immediately. I do n't care whether that is a bunch of annual fees, or other fee, but I never had any access whatsoever to this card so this must be removed from my credit report immediately.

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 2016-01-18
Company: QC HOLDINGS INC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The Payday loan lender QuikCash XXXX MO contacted my friend about my payday loan and gave him explicit details about my loan. When I got it, how much I owed, and told him that he should help me pay it. This is unacceptable behavior as this is personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I noticed on my credit report an errant account for {$720.00} with LVNV ( a collection agency ) I immediately disputed this account with the XXXX major bureaus. However, after having it removed from XXXX, XXXX and XXXX ; I received a letter from a collection agency called RESURGENT capital services responding to my dispute with LVNV. Even on their letterhead they list the " group '' of companies with which they are linked with both company 's names alongside several others.They act as XXXX separately registered business entities in my state. How then are they both allowed to collect the same illegitimate debt through intimidation and coercion?! 
My complaint ( s ) : 1. I do not owe this debt 2. These XXXX companies are Re-aging this account by both changing the balance ( $ XXXX {$720.00} ) and occasionally switching it between there XXXX monikers on my credit reports. This has caused me to not qualify for my home purchase and has artificially kept my credit rating low. This has greatly effected my quality of life and financial security. 
3. This account was removed from XXXX but re-appeared the next month with a new balance ( $ XXXX {$720.00} )!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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:
Despite my ongoing efforts for months on end all three credit companies along with the XXXX collection company report negatively to a phone from the phone company who says a received a phone at my porch that never and is now 11 years since it happned. Fraud reports where filed and there should be no reason except extorsion on why these companies decide not to comply with currents FCRA laws that outile cleary the debt is old and should not be resold

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 2016-01-23
Company: Continental Finance Company, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Continental Finance/XXXX is still reporting a negative item on my XXXX Credit report from XXXX of 2007. They are violating the stature of limitations to continue to report the negative iteam on my credit report and violating FCRA.

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 2023-02-03
Company: GOLDMAN SACHS BANK USA
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: Account status incorrect

Complaint:
Apple Card GS bank usa I wont close account opened XXXX XXXX XXXX balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Our complaint is about Penfed not honoring its advertized policy of holding the loan rate unchanged, in spite of their agreeing to " lock the rate for 60 days ''. 
When I ( XXXX ) made my first call to Penfed, in XXXX, I enquired about the terms and conditions for a loan rate which they had advertised. I was told that besides the usual creditworthiness etc, there were XXXX conditions. The loan should be a " conforming '' loan ( amount less than {$410000.00} ), and there should be a 20 percent down payment. In a few days I called again to finalize the amount of the loan. I mentioned that based on the on the value of our house given by XXXX ( {$580000.00} ), 20 percent down ( {$460000.00} ) would exceed the the first condition, so I was considering {$410000.00}. I then asked if, on the other hand, I were to request {$400000.00} ( which would be 30 percent down ), would that lower the loan costs? I was told that it would not. The loan rate would not change as long as the criterion of 20 percent down was met. 
So, we filed an application for {$410000.00} and chose to " Lock the rate for 60 days ''. On XXXX XXXX we received an " Interest Rate Confirmation Agreement ''. More than a month later, XXXX XXXX XXXX ), my wife received a mail saying that the house appraisal had arrived and that it was adequate. However, in a few days the interest rates went up, and they sent us a new loan agreement. While this new agreement nominally had the same interest rate, the other costs had dramatically increased by about {$6000.00}. I complained, and I was told that the costs had gone up because the appraisal was too low. I pointed out that while one can raise questions about the method of appraisal, it still satisfied the 20 percent criterion, and as a matter of fact, their first reaction to the appraisal was that it was " good enough ''. As a result of my protest the loan costs were slightly reduced, but they were still far higher than the original agreement. 
In a nutshell, in spite of promising a 60 day lock on the interest rate, effectively the rate was significantly increased. And in spite of a subsequent modification ( after our complaint ), it still stands quite a bit above the original agreement. 
We are enclosing the following : File 1 : The original contract File 2 : Letter indicating that the appraisal was " good enough ''. 
File 3 : Modified rate File 4 : Readjusted rate File 5 : Appraisal XXXX and 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 2016-11-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX sold my collection account to LVNV Funding. I requested validation of debt and they never responded to my request. I was being charged for charges that I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I lived in a particular apartment building for approximately XXXX years. I moved out in XXXX of 2013, and in XXXX of 2013 I received a bill for rent covering a month I was no longer residing there. I contacted the property and they refused to work with me to resolve the issue. The property is no longer under their ownership and the collection agency has not responded to my dispute in approximately a year now. This is still on my credit report and is causing me great stress. I can not find a place to live due to this invalid debt. They could not provide me with a valid reason as to why I should pay them during a period in which I did not live there. Now that the property is under new management I have no way to settle this. My credit report still says that the debt has been disputed and yet no response or follow up. This has gone on far too long and I ca n't seem to get this removed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: The Affiliated Group, Inc
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Affiliated Credit Services calls on my cell asking for me by name and then asks for personal identity information ( PII ) before disclosure of information. The phone numbers are XXXX and XXXX. I ask them for more information about the company, but only the name Affiliated Credit Services is given. Told her I would not give my address or birth date as I did not know the company. I checked my credit report and did not find any outstanding debts or complaints. She, the Affiliated Credit Service XXXX, threatened to call back until the PII questions were answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26
Company: Rocket Mortgage, LLC
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my home with Quicken loans, VA financing. I had cash back to pay off credit card debt. XXXX check in the amount of {$4.00}, XXXX was made out to XXXX XXXX. I took the check to the XXXX XXXX, ID store and paid the bill at the customer service counter. We received a letter in the mail today informing us that Quicken loans recalled the check for unknown reasons. I am paying for this loan ; I work XXXX hours per week and my wife is on Social Security. I can not afford to ignore {$4500.00}! My mortgage is {$680.00} per month and I am considering not making a mortgage payment until my money is returned with along with a written apology letter! By the way, I have a {$25.00} service charge to pay XXXX due to Quicken XXXX up once again! Not to mention he fact that it took us 7 months to complete a VA refi with Quicken ( actually they should be called Slowen loans ) and we just closed on the loan less than 30 days ago! Then their check bounces? Give me a low grade break already! I have had nothing but problems from Quicken loans, I 'm a Veteran and I 'm not going to take it anymore. I plan to file a complaint with anyone who will listen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I was making a payment for an item I purchased on eBay through PayPal. While making the payment, Paypal had me put in the DOB and SSN. I did not realize I was signing up for credit line with Paypal. They pulled my credit and gave me a line which I did not want. This is a very deceptive practice. How can they get away with it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- the list of accounts with full account number and open date are below Fraudulent accounts- 1.XXXX XXXXopen date XX/XX/XXXX 2.DPT ED/XXXX- open date XX/XX/XXXX 3.DPT ED/XXXX- open date XX/XX/XXXX 4.DPT ED/XXXX open date XX/XX/XXXX 5.US DEPT ED- open date XX/XX/XXXX 6.XXXX original creditorXXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX 7.XXXXXXXX XXXX college- open date XXXX XXXX 8XXXX XXXX open date XXXX XXXX 9.XXXX original creditor-XXXX XXXX XXXX XXXX XXXXopen date XX/XX/XXXX FRAUDULENT INQUIRIES 1XXXX XXXX Date open XX/XX/XXXX 2.US SM BUS ADMIN ODA date open-XXXX XXXXXXXX, XXXX 3XXXX date open-XXXX XXXX XXXX FRAUDULENT ADDRESS 1.XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX  XXXX XXXX XXXX XXXX FL,XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5.XXXX XXXX XXXX XXXX FL XXXX FRAUDELENT NAME 1XXXX 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 2016-09-21
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
're quicken loans. I had called them about rates and where I would stand at receiving the rates and if they did a credit check would it be a hard hit, they told me yes. They ask me my birth date and social security number and I gave it him a man named XXXX. I told him not to peruse it because I could n't afford the hard hit on my credit report. He said okay. After he and I hung up, he went and ran a credit check anyway. I was sent an alert via email from XXXX. I checked my credit report and saw that points were removed because of the credit check that they ran without my permission .I would like it to be removed thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: BB&T CORPORATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are becoming victims of dual tracking while under review. 

On Thursday XX/XX/2016, obtained order from Federal Judge referring us to the mortgage modification and mediation program. We submitted a modification package. The bank 's lawyer XXXX is fully aware that it is against guidelines to have a sales date if a complete package is presented for review at least 37 days before the sales date. On Monday XX/XX/2016 she filed a motion in state court asking for a sales date. The bank is displaying unclean hands and no good faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a settlement offer for a debt XX/XX/XXXX and replied with a written validity request/dispute on XX/XX/XXXX. As of XX/XX/XXXX I learned the debt was sold following my dispute, failing to provide me information within the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: T.S. Holdings
State: AZ
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:
IQ Data International is reporting a collection account on my credit report when the account is in dispute. I tried communicating to the apartment complex however they ignored all attempt 's of conversation or resolution and 1 year later reported it to a collection agency. I have never received an itemized statement with the debt they are trying to collect. IN the amount of $ XXXX have submitted supporting documents to the collection agency showing proof of invalid debt being reported. This has been ongoing since XX/XX/XXXX to the most recent contact XX/XX/XXXX. XXXX where certified document 's were sent to the collection agency with zero resolution. The negative reporting to the credit bureaus is negatively affecting my credit. They are reporting a debt to the bureaus without it being a valid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Resurgent Capital Services L.P.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The alleged loan orginated in XXXX/XXXX/XXXX and the account was charged off in XXXX/XXXX/XXXX. The account was acquired by Resurgent Capital Services from XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. I was contacted by mail in reference to this alleged loan. The original creditor was XXXX XXXX XXXX XXXX, of which I have never had any dealings. I have submitted a written dispute asking for all original documents and proof of this alleged loan with my signature. The loan is clearly out of the statute of limitations and is uncollectable. Yet I continue to receive correspondence in efforts to collect this debt. Resurgent has refused to accomodate any of my request for any and all documents pertaining to this alledged loan. I consider this harassment and would like all correspondence to cease and desist. 
Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Concord Resolution Inc (Closed)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
For four ( 4 ) years my family and I have been receiving harassing and threatening phone calls from a debt collector who has gone by the name of " XXXX ' or " Concord Resolutions ''. If we speak to them they refuse to give us info. on who they are, where they are, what number they are calling from, etc. ( they call from hidden numbers ) what the debt is, etc. All they will say is they are looking for my Sister, concerning a pay day loan debt. They threaten legal action against us if we do not cooperate, tell us a deputy is on his way to pick us up, etc. They are calling all of my immediate family and now are starting to call in laws! They have left messages to call # XXXX and speak to a XXXX XXXX but a woman has called also, refusing to identify herself. They call all day long on all of our numbers. And it 's not limited to the adults. They are calling the teenagers / children 's cell phone numbers as well. We have no idea how they are getting these phone numbers. Once you speak to them and start asking questions or advise them to stop they seem to " ramp '' up the harassment. Like it is a game to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: ARVEST BANK GROUP, INC.
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Loss of points " XXXX '' collected by my Arvest credit card purchases. Prior to leaving XXXX in XXXX XXXX or XXXX, XXXX I went to change my home address on my Arvest Bank accounts. At the time I spoke with the Bank Manager I was told that I had accumulated a significant amount of points that I could use as I wanted. Once I got settled in XXXX in XXXX XXXX I went to access my points on my account ( via the XXXXXXXXXXXX ). The online account said I only had XXXX points. When I called the main branch the manager remembered our meeting and that I had a signifcant amount of points, but had no knowledge of what happened to the points after that discussion. I talked to several administrative staff in XXXX over the phone, but none could help me with this matter or even find documentation on the account history. I was told that they did not keep account history. I can not believe that account records are deleted at the end of the year with no record of transactions maintained. I questioned this practice by the Supervisors at Arvest because I have been banking with other Companies for years and they could always account for my spending and interest earned. I think that Arvest is taking advantage of me because I am elderly. I am very concerned as I still have accounts with this bank, If I should die will my family be able to get this money or will it disappear just like the points I earned. I know that I spent at least {$4900.00} to {$5500.00} yearly with the card. Do I have any recourse on getting my points back and have they told me the truth about not being able to look back at my past history on my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: The Affiliated Group, Inc
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt of {$830.00} owed to XXXX XXXX XXXX. On XX/XX/2016 I made a payment of XXXX over the phone to a man named XXXX. It cleared my account. ( # XXXX Seq. # XXXX ) with my debt card. I received a bill for the balance in XXXX and sent a check for the balance of XXXX well be fore the end of the month. I noticed credit monitoring activity. It showed that The affiliated group have a Collection against me for the whole amount of {$830.00}. I have noticed that the XXXX check has not yet been cashed and XXXX will not tell me if they received it. I want to pay the XXXX to whomever but want to be sure that I do not have to pay the Collection agency the amount I paid XXXX on XX/XX/2016. I have a bank statement showing I Paid them over the phone the XX/XX/XXXX {$270.00} of the {$830.00} debt. I want this off my credit report a.s.a.p.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After viewing my credit report. I saw that there were multiple fraudulent accounts. I have reached out to the credit bureaus for help and there has been no relief.

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