BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a construction loan with a loan officer, XXXX XXXX. He was recommended by the builder we were using to build a modular home. XXXX XXXX was working for a bank out of XXXX and I met him in a basement to submit the application. After a few weeks, XXXX left the XXXX company and began working for Prime Lending -a Texas based company. He took my financial paperwork ( and never gave the copies back to me ) to the new bank promising it would be a better experience. Come to find out that the builder is not truly a builder and has no funds to pay contractors. Prime Lending does not vet their builders properly. The bank would not release any deposits to the contractors and the contractors would not work without money so I was forced to liquidate my XXXX to lay out funds to pay for work prior to the construction loan paying. I also found out they were advancing funds to the builder without my knowledge of what the funds were being used for and the builder 's contractors did not work on the house for months causing delays. during this time, I was requesting rate quotes daily as XXXX XXXX said there are 6 month rate locks. After a few days of emailed quotes. he stopped quoting me. He said getting rates thru his system was difficult. He never called me- never followed up even after rates started to climb.The whole reason for doing the end loan with them was to save the XXXX mortgage tax that I paid when I closed the construction loan. That was the carrot used to get me to do my permanent financing with them. I called XXXX manager, who did nothing, I contacted Prime Lending customer service and after 30 days of not a call or email back, I just emailed them and they turned me back to the loan officer for rate quotes. I believe Prime lending dropped the ball with quoting rates, I believe the builder and the loan officer are in collusion and Prime is responsible for not vetting the builder to see he had no funds to build a house. Their complaint department does not seem to take this complaint seriously. I would like to have my mortgage tax assigned to my new bank due to having to do all my own leg work, and the bank not quoting me rates in time to lock in to something reasonable - as rates have increased dramatically- was this a ploy as well. 
Their customer service rep ignored my request for assistance. I asked when his response would be and he said give him 30 days. It was after 30 days when I emailed him back to ask what was going on. The same situation was happening with XXXX XXXX. I only got rates when I prodded him. There was little communication and I believe I need to get this out to you so that no other " customer '' will go thru the experience I am presently trying to get thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX - at extension XXXX called me " illegal wet bag ''. He used abusive language and profane XXXX language. XXXX stated he was with a legal team. He was going to file papers. He made it sound like he was a lawyer .... Very misleading. This is an outrage! Please make them stop! I 'm XXXX years old! Harassing other members of my family with phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I sent Letters out Certified over 40 days ago & have not been notified of anything. As a consumer I feel like these people are playing with me and this is serious. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX and XXXX  thi is totatly outrageous. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies as of yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Was not notified of investigation status or results

Complaint:
It appears that my credit file has been compromised with Equifax ; Again, I was going over my credit reports & noticed many items that do not belong to me. Since Im a stickler for research, I found under section 605b of the FCRA ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required by law to remove & block any items and information which is found to be opened due to identity theft, Equifax is required to remove any accounts/Inquiries or information no later than 4 business days after the date received. The disputed items do not belong to me. Im attaching the required FTC Report for Equifax and CFPB records ; I sent a letter on XX/XX/2022 ( attached ) to remove accounts and inquiries that is UNKNOWN to me. The law requires Equifax remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... Please see attached verified Notice to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Ascension Recovery Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ascension Recovery Management at XXXX XXXX XXXX, XXXX CA XXXX at ( XXXX ) XXXX a collections agency for XXXX XXXX in XXXX XXXX XXXXXXXX sent me a bill for a XXXX  XXXX that is not my vehicle. I think they are trying to find the owner. At DMV they told me the owner on the title is a XXXX man but would not reveal the persons name. 
I have legal rights and do not want to pay for someone elses vehicle. I think XXXX or Ascension agency should bill the legal owner and not harass me. Im physically XXXX  at XXXX and only XXXX of XXXX kids in a small family which I know can leave me vulnerable to threats like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix financial services has been in constant contact with me accusing me of owing a debt to them and their client. I have disputed the account stating I have no knowledge of debt they claim is owed. I hav e asked for written validation from this company and have not received anything with my original signature or a contract stating that I am the person obligated to pay debt. Company claims that they have " confirmed " debt with its client, but has not provided documentation. How was this debt validated? Where is the signature? Where is the documents? This company claims they will report to credit bureaus but this is against the law because I have not received proof of accounts. I am not or never have been associated with the telephone number listed on this letter and this company has violated my rights by being in possession of medical diagnosis codes! I have been informed by my attorney that this is illegal and against the law. If this company proceeds to report these accounts without validation I will proceed to file suit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: NJ
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 submitted a dispute with Equifax regarding an incorrect account listed on my account. The incorrect account balance is NOT listed on any other credit agency. The dispute comes back as verified by XXXX  XXXX XXXX ( the creditor ). I have never had nor have any credit card with XXXX. Furthermore, when the collection agency calls me to pay the debt, I give them my birthday, and they clearly state that it is not my debt. 

The confirmation number for my dispute is : XXXX I called XXXX  XXXX XXXX, and they state I do not have nor had a credit card account with them. After, I ask them why the verified the dispute, they claim they would not know without a 16 digit account number. The account numbers provided by Equifax in the dispute is only 12 digits, therefore, XXXX is unable to look it up. Even still, they state they can not help. 

This has been affecting my credit score. This is impacting my ability to get a mortgage because it drastically impacts my credit score. Neither Equifax, nor XXXX is willing to assist me. It's unfathomable that I have to be stuck in the middle trying to figure out this mess, while only I am detrimentally impacted by the negligence of these two companies. I am in limbo here, without any answers. It's disconcerting that these two companies do not have to answer to anyone for such XXXX  negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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:
I believe my personal identity information has been compromised by the hacking of Equifax 's databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: ARVEST BANK GROUP, INC.
State: AR
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:
Arvest Bank ran my credit report without my knowledge or approval. I applied for a auto loan on XXXX XXXX, was approved at 3.7 % for 60 days. On XX/XX/2022 XXXX XXXX contacted me to see if I was still interested in taking out the loan, I informed her I wasnt sure but would get back to her the next day. On XX/XX/2022 someone from Arvest Bank reran my credit without contacting me. I immediately contacted XXXX and she was to find out who & why this happened. Today, XX/XX/2022 I received a letter saying I was denied for the loan. 
I NEVER consented to having my credit report ran on XX/XX/2022. This was done AFTER I told them I did not know if I would be taking out the loan. One can not be approved for a loan then denied after letting them know you may not want/need it. You can not run my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My macy 's credit was misused on XXXX XXXX, 2015. There were XXXX fraud charges : {$1.00}, XXXX & {$2700.00}. Those charges were made outside of XXXX. I was notified by Macy 's consumers protection on XXXX XXXX, 2015 and I immediately denied those charges. Then, I received a form called " statement of fraud '' from Macy 's Investigation Department by asking me to fill it out. I filled out the form and mailed it on XXXX XXXX. I also filed a police report at XXXX XXXX, XXXX where I resides. On XXXX XXXX, I received a letter from Fraud Investigation Department that they received my statement of fraud and it will take 60 days to resolve the issue. However, on XXXX XXXX, I received a letter that stated that my statement of fraud was not received by Macy 's Fraud Investigation Department and I will be responsible for those charges. After that letter, I made several calls and found out that my claim was denied due to lack of document and my claim was closed. I was shocked because it is not what it said in XXXX XXXX, 2015 letter. I even questioned how this investigation was carried out because I was a long time loyal customer of Macy 's and I have never bought anything beyond {$300.00} at Macy 's. Second, all my purchases are in XXXX and those fraud charges are in XXXX and XXXX. Those facts are very obvious that I am not the one who made those purchases. 

After several calls, Macy 's Fraud Investigation Department is sending another statement of fraud by asking me to fill out again since my first claim was denied and closed. I really doubt that whoever did the investigation for my claim just did NOT use the common sense to investigate. Everytime I called to Fraud Investigation Department, I was talking to a different person. It is very frustrated and very painful process because I had to explain my situation again and again to a person whoever came to answer my call. It seems to me that even the manager at Fraud Investigation Department that I spoke to, she did n't know what document that I needed to provide when I asked her. She made a lie that she will call me back the next day and she never call back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05
Company: NEW YORK COMMUNITY BANCORP INC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My bank - OHIO SAVINGS BANK - part of New York Community Bank - put a flag on my account regarding my change of address - problem is - 1 ). I already changed my address with them 7 months ago and have been receiving statements at my new address and doing all my banking this entire time, 2 ). they froze my bill pay and ATM and never told me in advance - I found out when I tried to log on to my bill-pay!!! this happened approximately XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I am XXXX XXXX XXXX, within a provisional state. My spouse has the account, I'm an additional user however they are not willing to give us the XXXX benefits. They're only offering the MLA, I do not want the Military Lending Act. Since I am eligible for SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my LES that show Ohio as my tax state, and my XXXX XXXX orders that show XXXX XXXX is my spouse. XXXX Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX/XXXX/XXXX, I received information from my home loan processor or a public record / judgement on my credit bureau. I asked for the information and the loan processor sent me a copy of my credit report. There is a judgement from XXXX listed. The company is XXXX Bank, and the amount is {$8700.00} or {$8700.00}. This information is not correct. I have no knowledge of this information. Maybe they have the wrong person. Please help me to remove this information so I can proceed with my home mortgage.

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 2020-08-05
Company: Ad Astra Recovery Services 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 is not accurate I never had a account with this company I would like them to to show proof of the debt and show that this is the Original company and not a debt collection agency and if they cant provide the information I would like it removed I would like validation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Purchased a car from a dealer - dealer used XXXX XXXX and I was approved also used XXXX - Dealer picked XXXX because they can tack on 5 % and cheat me on tharather then going with XXXX XXXX - I called XXXX XXXX to refinance they told me to pre qualify why pre qualify so they work with the dealer but not the customer? 

They did not prequalify me and said it is my trans union - I already have cases open with Trans Union so my credit score is XXXX difference from the other credit reporting agnecies Trans union is a scam - they do this on purpose getting kick backs from dealerships I wa stold that this needs to stop I want trans union banned and I will see to it this is discrimination and a government scam - so the dealership can tak on 5 % and that is good and approve me but on my own I can not be approved what a scam! This country deserves to be in this shape SO MUCH corruption - I want my trans union fixed now and I want XXXX XXXX logged as discriminatory and in cahoots with the dealerships

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 2022-08-17
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I am paying private student loans to a medical school ( XXXX ) in XXXX that I never attended. The medical school I did attend was XXXX XXXX XXXX  XXXX. 

Is it legal for the school to fraudulently get the money for tuition, using another school on the other side of the planet that I never attended? 

Did the school commit fraud in certifying the loans therefore I'm not responsible and i should be refunded what I paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have talked to the American Express creditor on various occasions even contacted the executive office in regards to this issue. My account was not closed by me and neither do they have any record or recorded conversation where I said to closed the account. My name and identity was stolen and this is causing me to have a lower credit rating due to this closed account. See attached letter where they claim information but no facts to their statement or decision to resolve the matter. I need this account deleted from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 I visited my local PNC bank to inquire why my checking account was continuously overdrawn, since I very seldom use the account. I use the account for direct deposit savings primarily. I spoke with Mr. XXXX XXXX, who printed out an account transaction detail report. He and I discovered that there were weekly unauthorized withdrawals of $ XXXX {$29.00} from XXXXl XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
I immediately phoned these companies to stop payments. XXXX XXXX that they would refund my money and close the account. I was unable to contact XXXX XXXX, XXXX, ( just music playing-no answer ). I requested to close my account with PNC, but Mr. XXXX advised me against the closing until my money was reimbursed. He assured me that he would file disputes against these payments and I would be reimbursed. Needless to say, the very next week 2 more withdrawals from my account was made and PNC did not stop the payments even while they were in dispute. 
My account transaction detail report indicated that this has been occurring for over a year, totaling to well over {$2000.00}. 
Mr XXXX informed me on XX/XX/2019 that due to the number of times these unauthorized withdrawals were made, the bank will not reimburse my money, and they could no-longer assist me.

Company response to consumer: Closed with monetary relief