BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-31
Company: ARVEST BANK GROUP, 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 information incorrect

Complaint:
I have filed two disputes to update the following information one on XX/XX/XXXX and one on XX/XX/XXXX - nothing has been done. Please see below as this is the information that was sent to the bureaus. <P/>The following account needs to be UPDATED AND CORRECTED : Creditor Name : ARVCNTRLMTG Account Number : XXXX The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected. Two bureaus are reporting an Open status, while while the other is reporting as derogatory, this is inaccurate this mortgage is OPEN and needs to be reflected as such. My monthly mortgage payment is incorrect on all three reports and should reflect a monthly payment amount of {$1900.00}. One bureau is reporting no term which should reflect 360 months. The payment status is incorrect on XXXX and should show a payment status of current. The dates being reported as last active are all inconsistent.
This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Credit Systems Intl I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Systems Intl in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted XXXX Hospital several times now and this debt was removed from XXXX of the credit bureaus since they have no record of this on file for me. merchants Credit guide removed this debt on XXXX XXXX from XXXX and XXXX. I contacted Merchant 's credit who is reporting this still to XXXX and they refused to listen to me, were rude and told me they are authorized to continue to report this as long as they want. The representative said that XXXX Hospital is telling them to continue to report this. XXXX says they have done no such thing and have no record of anything owed for me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-12-19
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2016 Annie-Mac Home Mortgage gave me a good faith estate before the election. I submitted all the required loan documents and later told I met all the requirements of a refinance through email correspondents. I was explained to submit a credit card for an FHA appraisal of {$450.00}, which would be reimbursed at closing of the loan. FHA refinance home loan conditions and terms change due to my appraisal, which came in lower then expected. I was told By XXXX XXXX at the time of the loan they can go up to 85 percent loan to value. XXXX explained the refinance loan was still doable even at a lower appraisal. At this time during closing I was ask if I had any assets to liquidate to satisfy my DTI ratio to keep it around 50 percent with the current mortgage rate offer of 3.25 percent as promised. I then sold some of my company shock worth XXXX XXXX dollars to meet their requirement. I waited several days without any updates from XXXX or XXXX XXXX my loan processor in closing. 
XXXX XXXX ( processor ), explained when my deed update completes through titling we are set to close the loan in the first week of XXXX. After numerous calls recorded, XXXX failed to return any of my calls after submitting all required documents during closing, which I was explained the loan is approved and will close in XXXX. In the process I was told do not make my XXXX mortgage payment. After the election things became obvious that XXXX and XXXX was avoiding my calls. XXXX the company receptionist said, " I will not commit personally but this is n't right. '' After long hold times waiting to be transferred to speak with the above parties only got their voicemail. In XXXX, I had placed several calls to XXXX and XXXX without any return calls. I had to get Branch XXXX XXXX XXXX from the Florida office to have XXXX call me, which he did XXXX XXXX, 2016. XXXX explained the loan is still in the approval phase and working out the final details with escrow and with XXXX to go forward. Closing, I was told a follow-up call would be placed to me and not to worry about any rate changes. I then asked about my appraisal fee out of pocket. He explained the loan is on track and he would get back to me. After no followups I then contact the vice president of the company XXXX XXXX got no response. Then I called his assistant XXXX XXXX with the same results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Performant Financial Corporation
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Loan went from XXXX XXXX to collection at Performant in XXXX. I setup a payment agreement with Performant in XXXX. They requested {$10.00} per month, to be deducted from my checking account. The agreement was that I would be taken out of collections to active status after 9 months of payments. I have now paid faithfully every month for 4 1/2 years and the account has still not been taken out of collections. I am a single mother of XXXX children and I would like to buy my first house. I can not do this because this account shows as in collections on my credit report. Performant claims that they can not accept a settlement because XXXX XXXX owns the loan. They also claim that XXXX XXXX does n't want it back and they do n't have another guarantor for the loan. Performant states this loan is still in collections because the " rules changed '' in XXXX and I did not sign a new agreement with them. I never received notification or a request for a new agreement! They claim to have sent it by XXXX. I never received it. They have my email address, they have my mailing address. They send me a note every month that they have received my payment, but they ca n't find a way to notify me of this? Oh, and by the way, this loan which should not be in collections, has now accumulated an extra {$9000.00} in late fees. How can I have late fees when I have a 4 1/2 year perfect payment record?? Please help me!

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 2020-01-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to save my house and I have a housing counselor who is helping me through this process. I have submitted a third party authorization in their portal and they continue to advise that they are not getting my documents. How can they not receive documents in their own customer service portal. I don't want to lose my home and I just need help to get a proper review!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a certified letter to Experian on XX/XX/XXXX. It was received on XX/XX/XXXX ( as shown on certified receipt ). Experian blatantly ignored all of the inaccuracies and violations which were pointed out to them in said letter and continued to report the exact same inaccuracies and violations on my subsequent credit reports ( XX/XX/XXXX and XX/XX/XXXX ). Their failure to remove inaccurate information is severely impeding my ability to repair my credit. My credit report is riddled with inaccurate information which they are purposely reporting! I will attach a copy of said letter as proof.

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 2015-08-17
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This was a fabricated debt from someone who knows the owner of Collection Bureau Inc and used the power they had to file negative information on my credit report to lash out personally towards me after I disputed the debt when I talked to them and requested written information pertaining to the claims of the debt they offered nothing until I filed a XXXX complaint after they already damaged my credit score and good name. The correspondence they sent was nothing on their collection attempts and the party that engage them to do so had nothing as well. This is the perfect example of abusing the system and laws and regulations of collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
In the past I have had a problem with medical bills from XXXX XXXX XXXX XXXX, XXXX. I divorced my wife and bills come to her address and she does not report them to me and allow them to go to Collections. This latest bill is the same. I have an alert on my credit and this is how I know about a negative report of XXXX dollars to XXXX XXXX from XX/XX/XXXX or XX/XX/XXXX. My credit check says that it is bill from XX/XX/XXXX and TransWorld Inc. Collections says XXXX XXXX. I have spoken to representative of TransWorld and I explain the situation with my former wife and she refuses to communicate with me. I paid XXXX dollars to TransWorld. Then I was told from TransWorld that XXXX dollars and change was owned to XXXX XXXX in XXXX XXXX which my daughter was given care too. I spoke to my daughter and she says that she was given care and she was going to pay bill but she did not receive a bill. Yes she used my former wife address. Also my Medical insurance company has not received a request for payment for XXXX. XXXX or XXXX bill, XXXX is unable to reference the bill because their records goes back to seven years only. I have email XXXX XXXX but I have not received a response for details concerning both bills and why they send bills to my former wife instead my address. My daughter is in college that is reason why she is on my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Performant Financial Corporation
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been paying thru garnishment of wages for a loan that had a amount due on {$18000.00} as of XXXX XXXX 2012 based on a order to withhold from earnings. The payments have been going to Performant Recovery as of today my employer approached me and gave me a summary of payment showing they have paid {$18000.00}. upon calling performant they are saying I still owe {$4000.00} and this will accrue interest of {$65.00} per month. 

I employer said it has been paid, please help performant will no negotiate I tried offer a settlement payment they would not accept.

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 2022-02-24
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I send a dispute letter to Lexis Nexis to remove addresses, phone numbers they still didn't remove it off my report, they remove the bankruptcy but have all the other incorrect informations still.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: ProCollect, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called me on XX/XX/2021 and I told them not to contact me. 

I ended up waiting online for a representative because a representative refused to put me on DNC list. 

I was contacted on XX/XX/XXXX and told the woman who contacted me that I was on the do not call list. 

Today on XX/XX/XXXX, I was called again. I was hung up on twice until the last woman I talked to claimed she placed me on the do not call list.

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 2017-05-31
Company: Team Recovery Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received communication f rom Team Recovery Inc r egarding multiple medical bills ( see attached documents ) that they are trying to collect on behalf of  XXXX   XXXX   XXXX   XXXX . I requested validation of debt and received letter of verification of debt. Upon further review of documents. I noticed my insurance company was not billed  for some of the services provided. PHI is also listed on documents that I received which is a violation of the HIPAA laws. I have requested for these accounts to be deleted for inaccurate and unfair reporting. While some accounts have been deleted from   XXXX   and  XXXX . They have refused to delete accounts from  XXXX . This inaccurate reporting has severely damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct #, XXXX ; XXXX XXXX XXXX Acct XXXX, XXXX ; XXXX Card Acct #, XXXX ; XXXX Card Acct # XXXX ; XXXX XXXX, Acct # XXXX ; XXXX, Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct #, XXXX ; XXXX XXXX XXXX Acct XXXX, XXXX ; XXXX Card Acct #, XXXX ; XXXX Card Acct # XXXX ; XXXX XXXX, Acct # XXXX ; XXXX, Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-08-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've been disputing certain accounts on my credit for 6 months, and Equifax has done nothing to validate the accounts that I have disputed! I have never seen investigation results, I have never gotten any credit reports, I have never received a single update from Equifax. It's like they are completely ignoring me, and I can not stand it any more!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 did not open the following accounts on my credit report KOHLS EXPRESS THOSE ACCOUNTS WERE OPEN BY MY EX WIFE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX 2016, I mailed my mortgage payment. The payment was lost in the mail. I received a call from Freedom Mortgage advising me that my payment had not been recieved this was XXXX XXXX, 2016 I immediatly placed a stop payment on the check at the Mortgage companys direction and paid my mortgage payment by phone. This is when my demise began I began getting calls advising me I had not made a payment. I provided an internet copy of my bank statement showing the payment had been deducted from my account. Upon reciving my bank statement I sent a copy showing the money had been taken out of my account. In XXXX I sent my check mortgatge payment certified mail. through this ordel I have spoke to supervisor after supervisor telling them I owe nothing there response was we will look into it. It appears that the person that took the info over the phone for the XXXX payment applied it to Principal again supervisor after superviosr advised me this would be fixed with no penaltys. I continue to get a call daily. they now are dunning me for the XXXX payment. They read notes each time they call and tell me this will be straightened out I continue to get a new perosn calling me daily. Typically while at work. I have never in 20 years been late on a mortgage and I am not behind now. I merely want this matter cleared up and the harrassment to stop. The incompetence of this company is horrible.

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 2017-05-31
Company: Navient Solutions, LLC.
State: AZ
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:
In  XXXX   XXXX  my wages were garnished by  XXXX   XXXX   XXXX  on a student loan that is with Navient formerly  XXXX   XXXX . I verified my address but never received any paperwork regarding a court date for wage garnishment nor even a phone call.  <P/> In  XXXX   XXXX  I contacted Navient and they stated that I did qualify for income sensitive payments But I needed to get the loans out of garnishment. So I contacted the  XXXX   XXXX   XXXX  and was told that paperwork would be mailed to me to fill out so that I can get the loan taken out of garnishment. The paperwork never came in the mail as requested and promised.  <P/>  XXXX / XXXX / XXXX  Contacted Navient re getting loan taken out of garnishment and was transferred to  XXXX   XXXX   XXXX  who stated that they are garnishing my checks 15 % of each check. I was offered to pay the balance in full, 85 % of balance owed or  if I had 2 referenced I could go into a repayment program. When I stated that I do not have 2 persona l referenced they stated that I either pay the balance in full or the 85 %. Currently they are taking 30 % of my income a month. As a single parent I can not afford to live. If I work extra hours they take more money.  <P/>  XXXX / XXXX / XXXX  When I called  Navient  back, they took a complaint and stated that they would not notify me of the outcome but I could call the  m back in 7-10 days to find out what was going on with the complaint.
<P/>
I qualify for income sensitive repayment as well as the   XXXX   XXXX   forgiveness program but can not even get the help I need to get into these programs. And everytime I contact   anyone I keep getting transferred to another agency or department.

Company response to consumer: Closed with explanation