BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were supposed to close on a condo loan on Fri XX/XX/XXXX. We have been upfront with the mtg loan officer since the inception that we were buying AN 'AS IS " is home and as soon as we close we were going to do multiple projects starting with removing popcorn ceilings painting interior, redoing 2 baths and redo kitchen etc. Multiple problems arose with a structural report, lender making us fix numerous things before closing or escrowing additional money for it when we told him we were going to do this when we own the property. We were also personally disrespected with him saying XXXXYOU ASK TOO MANY QUES ' AND " I JUST TOLD YOU ''. We have been home owners since XXXX and since our retirement have gone minimalist route and now decided to get a humble condo with a {$56000.00} loan putting XXXX per cent down. We originally were told closing costs would be {$5000.00} and now its close to {$7000.00}. In addition they want extra ESCROW to put BANDAIDS ON the things were are going to renovate in toto. We told this loan officer this from the inception. We had been told by another realtor that this loan officer was not good and prevented another closing in the past and she did not care for him but by the time we found out we were in tons of paperwork. I dont want this to happen to anyone else. My husband and I feel discriminated on in many levels. XXXX XXXX, XXXX last name and condescending abusive language. We told his supervisor who said he would give him extra training but no one tried to expedite in a timely manner to keep our closing date. With the contract b eing broken by the lender we cancelled on this date XX/XX/XXXX and are requesting our {$500.00} deposit back. We were starting to get flack from the loan officer and were never aware of the structure report. 

I wonder if there are kickbacks here from not closing. We were also made to take a XXXX XXXX course with no explanation except it would save us a lot of money. Pls help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
pls verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: NV
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 have had enough of this cat and mouse game with these credit bureaus! I have sent my FTC affidavit and they are refusing to remove these erroneous accounts. This is my last and final attempt for I do have a legal representative on standby. 

Im exercising my right under the Fair Credit Reporting Act, Section 609, to  request further information about items on my credit report. 

XXXX XXXX, XXXX  2013, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX  XXXX, XXXX  XXXX, XXXX, XXXX, XXXX. 

I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Also, there is a address that I have disputed numerous times that does not belong to me. The accounts that I am asking for are accounts that are linked to the address that does not belong to me. I can not get any information from any of the creditors because the accounts are not mine. No one can seem to provide a credit application with my signature. I believe these accounts were opened online and none of them required to send in proof of ID. I was a victim of ID theft almost 10 years ago.I did not provide my address to any of these companies.

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 2016-01-05
Company: Eagle Financial Services, Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased my vehicle XXXX Cadillac Deville DHS from a Buy here Pay here car dealership on XXXX/XXXX/XXXX. The buy here pay here then sold my account with them to Eagle Finance. The loan terms and payment amount stayed the same. It was sold to them XX/XX/XXXX. Prior to being sold to Eagle Finance the car was constantly having engine mechanical problems. I was making payments plus paying for major repairs. XX/XX/XXXX the car engine failed causing again causing more money to be paid out to be fixed. the coils, spark plugs, coil module went out causing over {$1000.00} in repairs. the car also needed new struts, and shocks which was another {$800.00} repair. As of today XXXX/XXXX/XXXX the car is still broke down and not running. The fuel pump is out and the coils and spark plugs and cylinder XXXX, XXXX, and XXXX are out and the will not fire, if it does does start it runs rough and then stalls. I was put in a hardship by trying to make my car payments plus pay all these engine repairs. Eagle Finance did n't wan na hear about my hardship or problems. I told them to come get my vehicle and i would voluntarily give it back, they refused. I figured they could auction it off and sell it and i could pay the deficiency balance and again refused. On XX/XX/XXXX i get a letter from XXXX XXXX XXXX XXXX advising the amount due is {$4500.00} I was told by XXXX XXXX on XXXX/XXXX/XXXX that the balance is now {$4800.00}. The loan was defaulted and charged off by Eagle Finance. So I was told that {$300.00} was added additionally for court cost by XXXX XXXX XXXX, how can i be charged for court cost when this account has not been filed in any court. They are trying to add hidden fees and take advantage of the situation. Eagle Finance wont repossess the car because they know the value of the car is worth less then what is owed. The vehicle has XXXX miles on it and the XXXX value to a private owner is {$2500.00} as of XXXX/XXXX/XXXX. The office manager ( XXXX ) at Eagle Finance laughed and told me that there was n't anything the CFPB can do. if nothing is not rectified I will be filing a lawsuit against XXXX XXXX and XXXX XXXX XXXX for predatory lending, XXXX states have passed anti-predatory lending laws. XXXX, XXXX, XXXX, XXXX, XXXX, North XXXX, XXXX, XXXX, XXXX and XXXX are among those states considered to have the strongest laws. Other states with predatory lending laws include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These laws usually describe one or more classes of " high-cost '' or " covered '' loans, which are defined by the fees charged to the borrower at origination or the APR. While lenders are not prohibited from making " high-cost '' or " covered '' loans, a number of additional restrictions are placed on these loans, and the penalties for noncompliance can be substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: DISCOVER BANK
State: OR
Product: Credit card
Issue: Cash advance

Complaint:
For many years now I have been paying my Discover credit card balance on time but recently decided to look into in more details, it seemed that little was applied to my principal, the worse is that I noticed for many years now the " BALANCE SUBJECT TO INTEREST RATE '' on purchases decreased while " BALANCE SUBJECT TO INTEREST RATE '' on cash advance has been increasing at much higher interest rate has increased month after month for many years since as far as XXXX ( Discover statements are not available past that year XXXX XXXX for me to assert with full certitude that the practice did not start at a earlier date ), in XXXX XXXX my cash advance balance was at {$1600.00} and it is now in XXXX XXXX at {$6900.00}. The cash advance as of XXXX XXXX was at {$0.00} and it has been at {$0.00} to this date in XXXX XXXX, so I am not quite sure how it is possible for a " BALANCE SUBJECT TO INTEREST RATE '' on cash advance to increase on that basis, on the other hand allow " BALANCE SUBJECT TO INTEREST RATE '' on purchases shifted/moved to " BALANCE SUBJECT TO INTEREST RATE '' to cash advance at a much higher rate all the sudden for years. The XXXX Card Act is very clear on the rules on payments allocations and for years it was not done putting us through financial distress for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we received notification from XXXX XXXX XXXX that our mortgage was being transferred to XXXX XXXX. In XX/XX/XXXX we sold our home. I have been trying to obtain my 1098 from XXXX XXXX to submit my taxes. The amount in question is one month of interest When I tried to contact them I was redirected to a company called Mr. Cooper. I contacted Mr. Cooper on XX/XX/XXXX but was told by the representatives there that they could not find my account. I faxed them the notification letter and the my escrow disclosure statement hoping it would help them locate the information. When I did not hear back from them, I followed up today but was told that they did not have access to my account information. I asked if they received the information I faxed earlier in the week and was told they could not access the account information. They suggested that I should contact XXXX XXXX  which I did, but was told that they only had information from the point of the transfer. I have received my 1098 from XXXX XXXX. 

XXXX XXXX suggested I notify you to see if you can assist in any way. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent in a couple dispute letters for some collections that are not mine. I have never been to these place the hospitals on the collection companies books. Nothing has been done and when I call the collection companies they threaten to sue me! why ... I never had treatment and if I did my insurance would have covered it and a co-pay I also have money for that. I 'm hoping the credit bureau will do their best to help me bc i 've already tried disputing and nothing has happened. I uploaded the documents requested thx

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint Equifax has refused to provide me with documents regarding XXXX bankruptcy public records on my credit report. I am a victim of identity theft and have never filed bankruptcy. I also reached out to the court and was advised that the XXXX XXXX Court does not report information to any credit reporting agency, and does not have any information on file. This matter has now gone past 30 days unverified under section 611 ( 5 ) A ) of the FCRA, please have equifax delete this information, please assist with resolving this matter asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried for at least 6 months to get items that are incorrect and or not mine removed and XXXXEquifax seem to do whatever they want with my credit. I have submitted documentation and reached out to the original creditor etc. I do not know why it seems the information the bureaus get does not seem to match what I receive. I am tired of this battle an then it takes more than 30 days to get a response to my issues or I wait all this time for the same response that they WONT RE-INVESTIGATE. Why do consumers have to deal with this? I am so close to being a First time home owner and its like i am fighting a never ending battle about MY CREDIT! I am to the point of wanting to sue as this is so XXXX to deal with and no one wants to get on the same page. I have accounts ( XXXX ) that get deleted for Fraud a year ago and the company sells the account to another source and they change the amount to try and make it valid of mine under the new source???? ( I attached this as an example ) This is crazy. I 'm ready for my credit to feel protected and accurately reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX  My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX XXXX. XXXX, XXXX XXXX, and XXXX of 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 non-monetary relief
Consumer complaint received 2016-02-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Please be advised ; Credit card Company sold my Account to 3rd party ... after my bankruptcy discharge. Now 3rd party has put remarks on my credit report as of XXXX. The discharge was XX/XX/XXXX. Be aware, keep your report updated. This is illegal to do against Consumer. Bankruptcy laws, very specific, you can not keep hammering the consumer after the fact. All and any debt, notifications, phones calls, mail, any type of contact or harassment by the debtor is forbidden, even posting remarks on credit report. Read the Bankruptcy laws credit card Companies and smarten up!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was looking over my credit report and noticed some information that looked kind of weird. Please investigate this and remove all incorrect and unverifiable information and send me an updated copy of my report please. Thank you. I'm trying to get a house and I can't do it with this crazy stuff all over my credit report. LOL Thank you for all of your hard work and dedication. I appreciate you so much.

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 2021-01-22
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection amount with National Credit Systems in XXXX Georgia. I have written multiple letters and telephoned requesting a statement breaking down the debt, who its from, what is owed etc etc. They refuse to provide me that information.They have also lied to me over the telephone and told me they dont need to provide me any information regarding the debt and that they dont need to work out a payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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'm asking that the 4 accounts on my credit report ( 1 ) XXXX XXXX XXXX XXXX {$5.00}, ( 2 ) XXXX XXXX XXXX XXXX {$4.00}, ( 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX XXXX {$0.00}, be blocked/ removed immediately in accordance with the FCRA if your companies can not provide me with physical documentation of these accounts. And upon your verification process/ investigation I would like to know the full details of the process.

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 2019-12-16
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I have tried multiple of times to get fedloans to send me my past applications for my forbearance and deferments and they only sent a letter stating my loans are in good standing but my loans are showing past due XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX which is causing me to have multiple late payments hurting my credit score when i have always made sure my loans were deferred until i am able to pay which is soon but i need this fixed on their part. They have not shown proof of the student loans which were consolidated but fedloans is still showing multiple of closed student loan accounts with bad payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Santander bank funded my automobile purchase the first payment was due XX/XX/19 After The next best Business day XX/XX/2019 I noticed the funds have not been drafted from my account I called Santander bank to verify that they had to correct information I was brought to my attention that they use a third-party company and they will have access to that information. HUH? .When I went to their website directly, not knowing anything about a third party .This brings up the concern who has my information I didnt want to authorize this third-party .What relationship with Santander bank Have With this third-party and how is my information going to be used? Nevertheless my current past due I received a voicemail on a Saturday at XXXX XXXX  I called the next business day on Monday I explain the situation And I was told I will be a charge the fee what Surprise me was the agent said it will show at the end of the loan. Not wanting to deal with this I just called the agent lets go ahead and put the loan Com The questions are what is the fee? when will i be charged that fee? who is charging the fee? 

Why is Santander bank forcing consumers to use a third party? Does Santander bank profit from those extortion FEES?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Charges are not reported in logical order. I have charges from the current day appearing immediately and then three days later a charge  from 3 days earlier show up. This results in fees that the bank charges. The fees caused by this far outweigh the original charges. It feels like I am being scammed for fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: GA
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, USBK COURT XXXX GEORGIA XXXX, XXXX XXXX XXXX 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 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 2022-10-25
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: Account status incorrect

Complaint:
I paid off a car loan with this company in XX/XX/2021. It is still showing as " in repossession '' on my credit report. I've written them a goodwill letter asking them to update the status to reflect a " PAID '' trade or delete the account in its entirety and they have thus far refused to either. This is grossly affecting my ability to obtain new financing. 

This is also the same company in my previous complaint, that is in breach of contract by routinely mis-applying " on time '' principal and interest payments. 

Lets be clear, in reference to the previous loan, they sold me a lemon ( had the car less then three months ) and they have kept my down payment, all of the bi-weekly P & I payments that I made, took the car back ( auctioned it off ) and I STILL paid off a {$5000.00} deficient balance because they way overcharged me for the car in the first place. They made their money. I paid off the loan. 

I just want the repossession status gone, or the account deleted in all fairness.

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