BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed several medical accounts with Experian and received a message stating per the FCRA 611 ( a ) ( 3 ) ( A ) they will not process my dispute XXXX. However, I have filed a complaint with XXXX Enforcement process for each of these creditors and, I have proof of insurance that I can not add to the dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian is reporting outdated negative information about me that is clearly more than XXXX years old. As a result I was forced to pay a {$250.00} deposit just to set up a utility bill at my new residence even though the consumer report stated " NO PRESENCE OF UNPAID UTILITY OR RENTAL ACCOUNTS IN ONLINE 'S SYSTEM. '' Experian is reporting negative information about me that is XXXX years old, XXXX years old & XXXX years old. My low credit score is not a true reflection of my credit worthiness. I want Experian to be held accountable for negligently reporting bad & inaccurate information. I also want them to clear my name & record.

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 2016-04-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting a short sale on my property for about 6 months now. The BPO has come back higher than the relator has proved is market value for the house. We have had XXXX interior and exterior and XXXX exterior only BPO done. The XXXX was coincidentally the same amount that owed on the loan, the second that we requested was XXXX which was XXXX over the price that the condo next to me sold for. I asked that another BPO be done and they refused saying that they only do one every 90 days. How can a third party appraiser be able to make such claims when the real estate agent ca n't even find homes that compare?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
equifax reports XXXX XXXX XXXX # XXXX WITH A FALSE DOFD. 
THE CORRECT DOFD IS XX/XX/XXXX.XXXX BUREAUS HAVE A DIFFERENT FALSE DOFD AND RADICALLY DIFFERENT PAYMENT HISTORIES YET ALL HAVE BEEN RECENTLY " VERIFIED '' .WITH THE CORRECT DOFD TD BANK COULD BE REMOVED FROM MY REPORT NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Lakeland West Capital LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX my husband and I defaulted on an unsecured loan from our local bank. The XXXX was put into receivership with the FDIC, and its assets sold. Our defaulted loan was sold to XXXX XXXX XXXX, XXXX. One month later it was sold again to XXXX XXXX XXXX XXXX, XXXX. Then in XXXX XXXX it was sold again to Lakeland West Capital, LLC. In XXXX of XXXX we were served notice that we were being sued for this debt, by XXXX XXXX, representatives of Lakeland. 

I contacted XXXX XXXX, XXXX XXXX, in XXXX XXXX and paid XXXX then to stay the case, and had a conversation with XXXX about being able to pay the balance in near future, if a reduced payoff could be negotiated. He said it could. He emailed me requesting agreeing to {$700.00} now/ $ XXXX month. I sent XXXX. When contacted about new payoff XXXX XXXX, he responded with XXXX I replied that the original debt sued for {$4300.00}, less {$700.00}, should be more like XXXX. Asked for recalculation, with no further response. 

I then called XXXX XXXX, collections for Lakeland. The phone was answered " XXXX ''. Thinking I had dialed in error, hung up and called back with same response. I left VM, and emailed her. Over the next few emails I asked for reduced payoff again, a detailed statement of what I owe, what interest rate they are charging, is interest still being charged, and how my payment was applied and how do they arrive at XXXX for the pay off. She replied that they had paid XXXX in legal fees to XXXX XXXX. and that the payment was applied to late fees and back interest, nothing to the principle. 

It seemed odd to me that a car finance company is involved in my old loan, so I started XXXX. It appears that XXXX, XXXX XXXX and Lakeland all share directors and presidents that are all interelated, and involved in scores of debt " investors '' companies. I feel that they sold and resold my loan to each other to inflate the fees and costs associated with my debt. Furthermore I feel XXXX is in collusion with these people in setting a " payment plan '' with no terms, no explanation of how the payments are to be applied, no explanation the INTEREST is still ACCRUING BY THE DAY, how much the interest is or anything else. In my opinion the XXXX XXXX fees are inflated because the summons indicated that XXXX other debtors were in the same batch as my case. 

Am I supposed to pay XXXX a month FOREVER? In every other instance of setting up payment arrangements, even with credit card companies, they stopped charging interest, and were flexible in the payment amount. When I told XXXX XXXX that I could do maybe XXXX and XXXX a month, his response was Lakeland want XXXX or nothing. 

What can I do? 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: EZCORP, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i recieved a call XXXX trying to collect from an EZcorp account. XXXX management is the company trying to collect. XXXX according to CFPD.gov is not allowed to collect or sell the accounts to third parties and im recieveing a call as of XX/XX/2016 demanding payment on loan. I explained im filing a complaint with CFPD.GOV against XXXX management and she stated that she will be putting me on a do not call list!!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We fell behind on our mortgage after lost work hours and unexpected attorney fees as a result of crimes committed against our family. We submitted an application for foreclosure alternatives with our lender on XXXX XXXX, XXXX. We received a letter stating receipt of our application and requesting more information dated XXXX XXXX, XXXX. We then received a notice of foreclosure from an attorney dated XXXX XXXX, XXXX. 
I called our lender and was told the foreclosure would be placed on hold while the modification application was processed. Over the next few months, our lender requested more and more information. I would send in the requested documents and they would them reply with a request for MORE documents. 
All this time reassuring me on the phone that the foreclosure process was on hold. 
In XXXX XXXX, we received notice of a sheriffs sale scheduled for our home on XXXX XXXX, XXXX. Our modification application is still being processed! It feels like they will never stop asking for more information for the modification so that we will run out of time and the house will be sold. They are sending letters with a date that is almost a week earlier than the postmark, and giving us very little time to provide the documents, all while going forward with the foreclosure process on our home. We would like very much to finally have our modification application reviewed before our house is sold. From what I understand, they should not be processing our modification and foreclosure at the same time. They are stringing us along in the modification while moving forward with the foreclosure. 
Our financial situation was temporary and we want to stay in our home and continue making payments, but we no longer feel that we can trust Cornerstone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Contacted Collection Agency Was Told To File Complaint With Credit Reporting Agency. Filed Complaint.Was told It was Mine No documentation Contacted XXXX XXXX Wanted Me to furnish State ID and SS Card This is fraud Did Not feel comfortable Sending Personal Information to them.

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 2015-04-04
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Citi XXXX XXXX advertise that XXXX of the benefits of the card is redeeming Thank You Points for XXXX cents per point if you use the points to purchase tickets on XXXX XXXX ( or XXXX cents per point for tickets on other airlines ) through their designated travel agency. What they do n't disclose anywhere is that the cost of the tickets are inflated. ( i.e. they charge more for the tickets than any of the ticket booking sites like XXXX, etc. ) In some cases, its only {$2.00} - {$15.00} more but its still not fair. Citi - please disclose how this program really works!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with XXXX XXXX XXXX credit card that was paid in full prior to me filing chapter XXXX bankruptcy-XXXX balance. Since I had to file bankruptcy, this particular card was included in my bankruptcy petition with XXXX owing. However, the information that had already been reported was re-reported to Transunion and XXXX by this creditor in error. This information that was re-reported caused my credit score to take a huge dip of XXXX points! 
I contacted the creditor and they advised me that they reported a XXXX  balance account on XX/XX/XXXX and had no language that should have caused a dip in score. The credit bureaus advised that this is how it was reported, so I 'm at a loss! 
Also, the address on my credit reports isnt correct. My address is showing as:XXXX XXXX XXXX XXXX XXXX , MO XXXX on Transunion and showing as:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX on XXXX-I have submitted documentation proving my address/idenity/etc, and to no avail, they wont update it! I was advised by XXXX to resend the info that I 've mailed and faxed previously.

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 2017-01-09
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid a debt to XXXX XXXX XXXX in XXXX of 2016. I disputed it as paid with Experian in XXXX of 2016. They did not remove the balance from my file. I have contacted XXXX several times and they claim they will have the item removed. It is still there almost 12 months later.

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 2015-10-14
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company will not let me refiance my ARM loan thats underwater.A prior complaint was filed Report # XXXX. I contacted Consumer Finance today to follow up on the status of my case. the response my mortgage company ASC sent, was for me to contact them for Refi.I called ASC and spoke with XXXX the Mortgage consultant,. He stated that my house must appraise for at least {$78000.00}. My house is only worth $ XXXX.This is a no win situation. The bottom line is I already owe this company XXXX. I am trying to establish a way to pay off my obligation with them. In XXXX 2015, which is only 6 weeks away my rates will be increase again..What can I do here? What laws are there to protect me, the customer? I am asking for help, to be saved from being a predatory victim. I am faxing ConsumerFinance the responding letters I received from ASC, all three leters stated they are reviewing & research .I think a fair resolution would be, for the company to work with me with the XXXX I presently owe and put me into a fixed, current rate mortgate, So I can possibly pay off my home before retirement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I initiated an investigation with Experian in which they completed on XXXX XXXX, 2015, Report # XXXX. At this time I requested documentation as to how the following items : 1. XXXX Now-Account # XXXX ... was verified as accurate. 
2. XXXX XXXX XXXX-Account # XXXX ... was verified as accurate. 
These accounts are not at all accurate and I have requested several times proof as to how they were verified in accordance 15 USC ... and to date have yet to receive this information. 
when it has several

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
i was sued and my wages were garnished for a account that was identity theft and the company refuses to give me my money back also put a judgment on my credit report this is gone way to long now they dont answer me case # is XXXX i have sent all paper work for this and they ignore all request

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 2016-02-01
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: OK
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX. XXXX I received a call for a late payment on a credit Card opened In XX/XX/XXXX, this was not my card. I have never used it or made a payment on it. It was used by my Daughter. I ask for all copies of their papers and they DId n't send anything. I fill ed out their fraud papers And they removed it from my credit reports. after a Few months they put it back. and stopped calling. 
Until XX/XX/XXXX when the payment s stopped I am retired and live on my social security.please Help. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have incorrect information on XXXX, Experian and XXXX reported by XXXX ( XXXX ) for the amount of {$720.00}. Submitted for collection on XX/XX/XXXX to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through XXXX, Experian and XXXX, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I requested copies of any documents in their files from national account system. After filing a dispute with the bureaus I received a letter saying they verified the debt and updated my file. I then send a letter asking for them to send any documents in their files that They used to verify the accuracy of the account I 'm dispute according to the law. I have that right to request. I also demanded that the account be properly verified or removed. They never verified or send the requested information that I send certified with their signature. So I send a letter to credit bureaus and the original creditors XXXX send a document of last activity XX/XX/XXXX-XX/XX/XXXX. They re aged my account and is still reporting.

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 2015-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
When using the www.annualcreditreport.com website, Transunion link only offers a " sign-up '' for {$1.00} for use of the website. 

Pasted web page ; TransUnionFree Credit Score & {$1.00} Report Unlimited updates to your TransUnion credit score and monitoring Email alerts of any critical changes to your TransUnion credit Personalized debt analysis and credit trending Up to {$1000000.00} in Identity Theft InsuranceGet my ScoreDo n't worry, checking your score wo n't lower it. 

Offer Details : Your FREE TransUnion Credit Score & {$1.00} Credit Report are available as part of a XXXX-day trial of our subscription-based credit monitoring service. You may cancel at any time during the trial period. At the end of your 7-day trial, you will be billed at the low cost of only {$17.00} per month ( plus tax for NY residents ). 

XXXX Get Your TransUnion Score 3 Achieve Your GoalsGet my Score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX I sent disputes to Transunion regarding credit reports that were n't validated and needing to be removed. They were removed on XXXX XXXX per XXXX just to be placed back on XXXX XXXX. I 'm reporting the following XXXX These are the XXXX that were removed on 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 2016-02-09
Company: U.S. Collections West, Inc.
State: AZ
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:
A Judgment was issued against me and garnishment occurred to satisfy the debt. 
Once the debt was fully satisfied, US Collections West continued to garnish my wages resulting in an over payment of the account. 
They refuse to return the over payment to me or credit it to the secondary account I have with them. 
Original judgement was {$1800.00}, they claimed interest of {$19.00} for a total due balance of {$1800.00}, they garnished a total of {$2200.00} resulting in credit of {$370.00} owed back to me. 
Please see attached original judgment amount, payment statements issued by the court outlining balance and interest due, and payoff letter from court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently received a statement on a " time-barred '' debt with a " thank you '' note on a payment in the amount of {$88.00} dated XXXX XXXX, 2015 that I never authorized. As a matter of fact, I have never talked to anybody in this company. I believe that this payment is fraudulent in an attempt to restart the statute of limitation 's clock and possibly sue me for the amount they claim I owe. This company called Midland Credit Management is well known for their deceptive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
HSBC is no longer sending bills. I have a {$10.00}. charge from XXXX XXXX that I was never sent. When I configured my HSBC online banking account I never signed up for 'e-statements '. When I checked my online setup on XXXX XXXX, XXXX the 'estatements ' option was not selected. HSBC customer support was unable to help after escalating, the HSBC Supervisor was too busy to speak with me. HSBC customer support would not take care of the late charges, accept resposibility for the issue nor cancel this MasterCard account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SPS has repeatedly failed to process my complete loan modification application ( s )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation