BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on Experian and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The original disputes for these accounts were sent out XXXX XXXX, XXXX. The first correspondence from your company stated you reviewed documentation and determined you were not able to use it to make a determination for changes or deletions XXXX XXXX, XXXX. See Attached. Documentation in all disputes contained credit report with account in question circled and letter detailing issue related to it. See Attached. All of these accounts were sent seperately by certified mail on the same day. See Attached. Your correspondence letter indicated all accounts disputed had projected completion dates of XX/XX/XXXX and XX/XX/XXXX, respectively. See Attached. Results from investigations were dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX included : XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Accounts, and XXXX XXXX XXXX. See Attached. 

On XXXX XXXX, XXXX you were sent a certified letter as a followup to the investigation results. See Attached. This letter requested a method of verification for each account verified and notice to delete all accounts not investigated within 30 days. See Attached. On XXXX XXXX, XXXX, I received documents dated XXXX XXXX, XXXX providing additional results for XXXX, XXXX XXXX XXXX and uncompleted XXXX projection date. See Attached. As a result these accounts were not investigated timely. Whether this late response attempts to circumvent the rule, nevertheless it is ineffective due to sufficient record keeping by customer. One further note, after contacting the US Bkpt Ct Ga XXXX concerning accounts # XXXX ; XXXX ; XXXX ; and XXXX, at ( XXXX ) XXXX XXXX no debt validation or otherwise took place as reported by your results. Customer seeks compliance to these enforceable rules.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: Lazarus Financial Group, Inc.(Closed)
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I applied for my credit report, when I noticed items on my credit that I have never seen before, so I called the credit agencies and told them that items on my report were incorrect and they needed to be removed because I did not apply for them. 

They told me to file a police report and indicate what happened, which is why Im currently filing this complaint. Someone that Im not aware of used my identity to gain access to my credit and used it for what I did not authorized.

Company response to consumer: Closed
Consumer complaint received 2016-03-29
Company: CURO Intermediate Holdings
State: NM
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received the attached email from Speedy Loans threatening to take me to court and have me arrested for a debt that was discharged on XXXX/XXXX/2010. I have not taken out any other loans with this company since 2010 so not sure why they are contacting me and threatening me. I think I received a call from them about 2 years ago and when I asked them for information they had on me for this loan, they gave me a social security number that was not mine and I told them that at the time. I do n't know what this is all about but now they are sending me threatening emails to my work place. I was working for the same company when I filed my Chapter XXXX BK. They did not provide a phone number, only an email address to respond to and the sender is using a " gmail '' email address. This is the email address they want me to respond to : XXXXXXXXXXXX XXXX mailto : XXXXXXXXXXXX I have also attached a copy of their email communication regarding this debt. All they have is a case number but no account number either and they want almost {$9000.00} for a debt that they have on file for {$840.00}! Your assistance with this is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Caliber Home Loans, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I filed Bankruptcy in XXXX of 2014 which excluded my home and truck : XXXX were exempt and it states it on the Court documents. My mortgage company, Caliber Home Loans, has listed my house on Bankruptcy status since that date for which it was exempt but I just found this out recently and the mortgage co. informed all the credit bureaus also that it, my home, was in Bankruptcy status also, which I have a recent letter from them stating they informed them, so when I was getting credit help they stated that prior reporting was accurate and the request to remove anything they were unable to do. 
I went to get preapproved for a home loan and the Loan Officer told me that it was under Bankruptcy so I would not be able to get a loan for 7 years. 
I have been in contact with my mortgage co. and they know it is exempt but will not remove the status and I have been shuffled from person to person. My credit is bad enough without this but not as bad without this on it. I want it to be taken off my credit reports, all XXXX, and reflect that it was knowingly put on the credit report information that was not correct. 
information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have received my credit report from XXXX, XXXX, and Experian. I have contacted XXXX XXXX and XXXX XXXX numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to XXXX and Experian bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I use a credit monitoring service and was notified today of a collection account that is not mine. I believe this is fraud. They have a collection of {$860.00} that I absolutely do not own, and never had any dealings with this company. It states the original creditor is XXXX XXXX XXXX - who I also have no dealings with. This is a scam.

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 2015-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
On XXXX/XXXX/2015, Experian sent me an email after I setup a credit monitoring service provided by the University of California, XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I was notified by XXXX and XXXX XXXX that my private health information had been compromised. 

Experian 's email to me stated that my credit score had recently changed, and that I should visit their website to learn more about the problem When I clicked on the link in the email Experian sent to me, and using the reputation of the Experian brand name, Experian requested that I provide my credit card number for the purpose of " checking my credit ''. Experian then apparently used this information to start a subscription service, beginning in XXXX, 2015, for {$21.00} per month. 

I neither approved, nor intentionally subscribed to Experian service. 

I contacted Experian on XXXX/XXXX/2015, and requested the service be cancelled and two months of " subscription fees '' be refunded. The Experian tracking number for this case is " Dispute and Cancel Membership XXXX 

On XXXX/XXXX/2015, Experian responded to my request via email and declined to refund the previous subscription fees. 

I am therefore filing this complaint. Experian used their brand reputation to start a subscription service that I neither agreed to nor approved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX our mortgage with XXXX was discharged through Chapter XXXX bankruptcy. We received approval of the loan modification on XXXX XXXX, XXXX. Today, we receive a welcome letter from Statebridge, LLC, dated XXXX XXXX, XXXX, advising they are debt collectors but no mention is made of our approved loan modification which is current. Our concern is that Statebridge is not honoring the XXXX HAMP Loan Modification and we are starting all over again! Please assist!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home loan is delaying payment processing time online to collect late fees or processing fees over the phone. The company grants you a 15 days grace period to pay your mortgage but I logged online to their website at XXXX EST on Friday morning, XXXX/XXXX/2015 and it states that the my check payment will not post today but rather Tuesday, XXXX XXXX which will in turn cause a late fee. I have processed several payments online for loans, like credit cards and car payments and the check payment is posted the same day and will be pulled out 5 days later on average. I do not understand if I make a payment on Friday Morning why would it take 3 business days to be posted to my account. Friday is a business day and what happen to Monday. The company selected Tuesday because a {$34.00} late fee would apply to your account. Late fees are " Extra Income '' for the company and I am sure that this is where the company 's bonus is coming from. To avoid a late fee charge, I called to make a payment over the phone which is a {$15.00} fee. I used the same checking that I was going to use online so why is n't there a delay over the phone? The company is not working for the best interest of their customers or creating a win-win for their customers but rather working in the best interest of their shareholders. I do understand that this is a company that operates off of capital but I do think that they should be fair and ethical. They are working the system and it 's unfair and needs to be stopped or the company needs to be fined!!! I would like my {$15.00} credited back but also for Caliber Home loan to change their payment posting delay online because I know that they could have posted that payment on Monday instead of Tuesday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-19
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Went to Amerisave and I have been having problems getting the loan. I paid for the appraisal {$400.00}, but they are really dragging their feet. I have been trying to get loan since early XXXX. I requested a refund of the {$400.00} appraisal but they would not give it back or give me a copy of the appraisal. They are making excuses and postponing the loan. They keep making excuses that they need more and more paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
During the period of XXXX, I had numerous telephone conversations with Navient regarding my signature student loans by talking to managers and collections department and education department. I also sent a letter to Navient credit department requesting to remove all late pay during the forbearance period of XXXX. They did not respond to any of my calls in writing or by phone. I had to call them and they said they did n't receive the letter which was sent Priority USPS. A couple days later they admitted to getting the letter and said legally they could not remove the late pays. I am on XXXX Social Security. The repayment loan they requested was not in the means of my income up until XXXX/XXXX/XXXX. They lower the payment to {$160.00} per month over a 20-year period. They take this amount out of my checking monthly. In XXXX, they did not sending any correspondence regarding the loans. In XXXX, I was dealing with the inadequate training of their personnel telling me the loans would be discharged. I had to resend all paperwork in XXXX regarding my XXXX and work on a payment plan sufficient to my income. 
They have reported late pays on my credit report. During the above period I am requesting that all late pays be removed so I can get a home loan which is already in process but being held up do to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Failed to verify my identity prior to discussing debt. Additionally claimed I show more accounts than what shows on my CBR. Refused to discuss offer for the accounts I wanted to resolve.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My name is XXXX XXXX, you can see why I have often shortend my name to XXXX or XXXX XXXX, yet these credit reporting agencies make me look like a con artist by saying I use several names, they are all mine. There are also XXXX inquires on my report with Experian and at least XXXX of those I never applied for any kind of credit with. I tried to get a credit card to build up my credit and i was surprised to learn i did not since the only negative i had on my report as XX/XX/XXXX was with XXXX for {$220.00}. Recently I applied for a car purchase, even though I do not drive, I need transportation and have my grandson drive me, I was turned down for the purchase. I thought the car dealership had their own financial system and found out that they were applying instead with XXXX banks. I 'm almost XXXX in XX/XX/XXXX, I do not have a lot of money, but I do have integrity, but conglomerates like the credit reporting companies can destroy a persons character with a few degrading words, this needs to stop.

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 2015-03-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed into sending money for a XXXX bonus winnings randomly selected and the number they use is XXXX XXXX XXXX XXXX XXXX, New York XXXX and the phone number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
experian received my request for investigation of XXXX items on my credit report XXXX/XXXX/2016. I received a letter XXXX stating that XXXX items in my request were not going to be investigated, when I called experian today to find out why I got no valid reason. I was told there was a letter sent regarding the results of the full investigation at the same time, I voiced I had not received, I requested another copy of investigation results and was told no, to check '' website '' for new credit report. I have no idea what was addressed and who verified information regarding my investigation as I requested. This violation of my rights under the FCRA needs to stop.

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 2015-05-31
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a student loan that went into default, I repaid it through the XXXX program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my XXXX score and this inaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17
Company: Experian Information Solutions Inc.
State: GU
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In accordance with FCRA & 650B paragraph ( a ), Experian, are required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. Cash Call XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Experian delete these accounts from my good credit record in accordance with FCRA & XXXX paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that Experian remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).

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 2017-03-10
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen received my XX/XX/2017 payment as follows : check # XXXX, in the amount of {$3100.00}. That would break down as follows, regular monthly payment of {$1100.00}. Plus a extra {$2000.00} to be applied to just the principal. Out of that regular monthly payment of {$1100.00} should come the escrow, the interest, and the PRINCIPAL payment. As you can see from the attachments. Ocwen once again has failed to apply my monthly funds correctly. This month Ocwen failed to apply my regular principal payment to the loan. ( that amount would be {$460.00} ) Ocwen only applied the extra principal payment I sent in to my loan. As you can clearly see from the letter Ocwen sent to me and to the CFPB dated XX/XX/2017. They corrected their last mistake from last month and brought my account up to date with the correct unpaid principal balance for XX/XX/2017 of {$130000.00}. ( that page is in with the attachments. ) With that being said when you take the extra principal payment of {$2000.00} plus the regular principal payment of {$460.00} and add those together you get {$2400.00}. You then subtract the {$2400.00} from the unpaid principal balance of the loan, and you get {$130000.00} for the unpaid principal balance of my loan going into XX/XX/2017. As you can clearly see on the payments and amounts due page ( that page is in the attachments ) Ocwen states that the unpaid principal balance is {$130000.00}. That is clearly wrong. On the payment confirmation page ( that page is in the attachments ) Ocwen states that my loan is now due for XX/XX/2017. THAT IS CLEARLY WRONG. My account is next due for XX/XX/2017. On the Payment and history page ( that page is in the attachments ) Ocwen does n't show any amount of principal being applied to my loan for the month of XX/XX/2017.

Company response to consumer: Closed with explanation