BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: Core Advisory Group, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, My name is XXXX, I have been scammed by this company Core Advisory Group who promised me that they can help me stop my foreclosure which was scheduled for XXXX XXXX, 2016 and the property went into auction on XXXX XXXX, 2016. Prior to contacting them initially, I received a very promising mail postcard that stated, they can stop/postpone my foreclosure and that I am eligible to a be plaintiff to file a federal lawsuit against my lender XXXX XXXX, and they can reduce my interest rate down to 2 % plus and also be awarded for monetary damages. I called their toll free number and spoke with XXXX XXXX who had explained to me the process so I signed up with this company back on XXXX XXXX, 2016. I paid this company a total of {$2200.00} which included a {$120.00} for their notary service. Everything that they had advertised was all lies and deceit to get me to call them. They promotion about their XXXX XXXX XXXX XXXX where they file complaints against banks to force these banks to give better negotiation terms and stop/postpone foreclosures are n't true. I feel this company have misled me into thinking they can help me but it turns out they ca n't and there was a new change that went into effect on XXXX XXXX, 2016 with my FHA loan that made it impossible for me apply for a loan modification because I am too severely past due, this is something this company should had known from the beginning but they still took my money. This company should have never taken my money upfront if they knew they could n't help people like me. I want my money back. Their program is grossly misleading and now I am out of {$2200.00} plus my home has already been auctioned off. I could had used that money for my moving expenses or hired someone else who knew what the XXXX they were doing but I fell for their promises that they ca n't deliver, and their final attempt to help me was to have me file for bankruptcy or convert me into their eviction defense program which is another way to convince me to allow them to keep my money. After my house was sold on XXXX XXXX, 2016, this company with no sympathy to my pain and embarrassment that I am about to face, went ahead and deposited my check of {$740.00} on XXXX XXXX, 2016. According to the FTC ( XXXX ) rule this company has collected illegally fees upfront before providing me any relief with my mortgage. I hope this is a lesson learned for them to stop this kind of illegal practices and giving people false hopes by lying to them so they can take people 's money that is criminal. I did cancelled with them and asked for my refund but they only offered me {$450.00} out of the {$2200.00} I had already paid them. In desperation I agreed to the amount but they still have n't refunded that amount and its more than 45 days now. This company is a scam and should be shut down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Attempted to purchase my credit report from Transunion.com. I am continuously prompted to join their monitoring service in order to get my credit report and/or score. There is literally no way around these pressure tactics. It 's either join, or do not access your report! And if there is another option, it does n't exist ... .attempted to order via their " disclosure '' link ... ... it states " system error ''.

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 2018-05-27
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My social security number was stolen to open fraudulent accounts in my name with a company called Rent Recovery Solutions. I never lived at the apartment that was fraudulently gotten in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've got ta collection from XXXX XXXX for an account that does not belong to me! 
Though I make my credit payments on Time and have stable XXXX job ; I am unable to apply for credit or improve my Families Well Being. due to the above mistake fromt he collection and credit agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am XXXX and on a fixed income and do not have the money to be represented by an attorney or any other agency. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Pacific Home Loans, Inc
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I was working with a XXXX XXXX to refinance my loan using VA XXXX with Pacific Home Loans. I signed paperwork but in the end I decided that the loan was n't conducive to my needs and asked to cancel it. The XXXX XXXX told me that I would have to pay a {$500.00} fee to cancel. I corrected him and told him by law that I had three ( 3 ) days to cancel the loan and since he did n't provide rescission documents I actually had three ( 3 ) years to rescind. He asked me to send him an email and I told him that I sent a certified letter to cancel. I 've checked and the loan paperwork is still active.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed for Chapter XXXX bankruptcy XXXX/XXXX/XXXX due to medical debts. XXXX different collection agencies correctly removed the derogatory reporting from my credit reports, as these debts were discharged in the bankruptcy. One collection company, XXXX XXXX, has refused to remove their derogatory reporting from my Experian credit report. 

I previously attempted to file a dispute against XXXX XXXX with your agency ( # XXXX ) and was told you were unable to locate them. 

Due to this situation with XXXX XXXX and with Experian, I have suffered a significantly reduced credit score ( XXXX point difference ) on Experian when compared to XXXX and XXXX . This has impacted my ability to obtain credit, and caused existing credit accounts to be more costly to me. 

I have attempted multiple times to dispute this error with Experian, without success. Dispute numbers/credit report numbers are as follows : XXXX XXXX XXXX On XXXX/XXXX/XXXX I attempted again to dispute this incorrect information with Experian. I was provided report/dispute number number XXXX. Experian refused to open the dispute against XXXX XXXX, so instead I requested to remove a comment I had placed on my report. Within 6 hours I received an email response, literally taking no action at all. The comment I had requested be removed had not been removed. The response closed their " investigation '' into the dispute. 

These actions taken by Experian have caused monetary harm and lost time for me. Both Experian and XXXX XXXX are very aware of the dispute. XXXX even laughably added the status on their reporting that the debt was discharged in bankruptcy, yet still refused to remove it.

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 2017-02-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I signed up with XXXX to get a free credit score report. It made me go through many prompts and enter my information and charged me a {$1.00} starting there would be no additional fees without my permission. Since then, I repeatedly get money taken out of my bank account automatically for Experian. I never agreed to any services with Experian nor did I request credit monitoring or help.

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 monetary relief
Consumer complaint received 2015-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed with XXXX several times and they continue to verify the info that is incorrect on my credit file with Experian and that of my husband 's XXXX XXXX. We filed a complaint XXXX because the account was reporting incorrectly for months. The same info we sent Experian. XXXX verified as correct several times. At this point I want the " DISCHARGE IN BANKUPTCY '' removed from my credit file account XXXXThe other account XXXX # was reaged had a repo in violation of the stay. Lates while under Chapter XXXX Stay and Discharge etc. For both XXXX and myself on the Joint account. XXXX is asking for 60 days to fix all errors they verified previously as correct. Under the FCRA the account now should be deleted DELETE ACC # XXXX from our credit reports. Attach is evidence that the dispute was initially filed over 30 days ago for XXXX and XXXX continued to verify info that was incorrect. and bar from re-insertion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a request via certified mail : I am requesting the removal of  XXXX  judgment and  XXXX  bankruptcie s ( below ) on my credit report due to Civil Case No .  XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Equifax  Information Service , LLC, I di d not know the source of their information on those judgments and bankruptcies and due to this, Equifax ha s violated the Fair Cred it Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible.   Bankruptcy  Ref.  #  XXXX  Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.     My request have been ignored and unfulfilled and not validated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
THe dates and amounts are completely wrong some do n't belong to me at all.

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 2015-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed with Experian and XXXX the reporting of late payments from XXXX XXXX XXXX. They are reporting me that I had late payments and I never did. They continue to say that their investigation is accurate. However, XXXX investigated and deleted the account as it was not accurate. I have sent to XXXX and Experian letters including a response from XXXX company to my request of records reflecting such late payments and they denied to produce record. That is a violation of XXXX and credit bureaus must remove negative information when the furnisher is in violation of FACTA. This letter was forwarded to XXXX and Experian and they still do not remove the negative and inacurrate information. I request that this be removed immediately as it is depriving me from obtaining a home loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This specific XXXX Account # XXXX ( Credit limit of {$2600.00} ) Should be deleted from my entire credit profile. XXXX has requested the deletion but the Credit Bureaus have been dragging their feet with getting it deleted and this is slowing up my New Home/ Mortgage loan approval. Please have it deleted so i can move my family into our new home. Thank you in advance!

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 2017-01-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016 my husband 's car was stolen out of our driveway, my car was broken into and my Chase Bank debit card was stolen from my car. That same night, someone used my debit card to buy {$1200.00} worth of items from the XXXX XXXX # XXXX in XXXX, Florida. There were XXXX other attempted charges on my debit card that night, all of which were rejected and which I told the bank were fraudulent. Chase says they investigated the {$1200.00} transaction and determined it to not be fraudulent. They refuse to refund my money, which was debited out of my account. I have opened a police report with the XXXX. pertaining to the stolen vehicle and the stolen debit card. The original report is attached. ( The debit card transactions are not on the original report, as we did not know the debit card was missing until the following day. The debit card transactions have been added to the police report file ). Corporal XXXX has visited the XXXX where the fraud took place and watched the store security video from the time my debit card was used. The person using my debit card on the video was a XXXX male. I am a white female. XXXX has not released the video yet, but XXXX is willing to testify as to what he saw on the video. I have notified Chase about this twice over the phone but they still refuse to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-16
Company: Argon Credit
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied on XXXX XXXX online at Argon 's Credit Website. I was offer an approval for 20 % interest/ APR. I signed the document via electronic signature and submit all documents the same day. As I went through there application process, they used XXXX XXXX XXXX Bank XXXX XXXX to scan peoples bank account activity for 90 days. It asked for my online banking credentials. Uncomfortable giving sensitive login information online, I gave them my past 60 day bank statement. During this time, I have been very patient with this company. They state approval and verification takes " 48 to 72 hours ''. It had been almost 2 weeks. I 've given my last 60 days bank statements, XXXX and XXXX Tax Return, XXXX paystub periods, My Driver 's License ID, and a copy of my Personal Check Voided I recently received a call that I was going to be funded and it would take " another 48 to 72 hours ''. I await 3 days. I check my account and funds have not been disbursted. I call them again and they state it would be another 5 business days for funds to transfer. Please keep in mind my contract was signed on XXXX XXXX. My first payment is due XXXX XXXX and I still have n't recieved my funds in my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They wo n't remove old accounts. The credit reporting agencies have not provided any certified proof of claims to date.

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 2016-11-02
Company: DISCOVER BANK
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When I looked up my credit report I seen XXXX installment loans. I 've never taken out any loans. Also I 've sent in a complaint to you recently and just seen you we 're trying to contact me. I 'm very sorry and promise to keep very close attention to your reply. I take this very seriously, and I do n't want you to think I do n't value your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I keep trying emails from ACE XXXX INC threatening me for a past due loan which I have no knowledge of. They alleged case file is # XXXX and the email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX accused my father of being senile and not remembering walking into a loan company and taking out a loan. They threatened to take him to court and spoke to me abusively and disconnected the call. When I explained this was a mistake and not to accuse my father of something he did not do, the representative said my father was guilty until he can prove he did n't take out the loan. I was also accused of crying, which I was n't. The representative spoke over me, made threats and hung up. My father is XXXX years old, but not senile. However speaking to a person with such tactics would very likely cause harm to my father 's health.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: J&L Collection Services
State: CA
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:
I reached out to XXXX agency debt consolidator to resolve my debt with J & L Teamworks who is a debt collector. When i sighed we agreed I would only pay {$2100.00} and pay {$150.00} a month to settle my debt and fix my credit. XXXX agency only had business with me for a short while, then transfer me over to another Consolidation company closer to me in California. I ask if my agreement of {$2100.00} would still be in place and my payments of {$150.00} per month would still apply and they said yes. After about XXXX years my balance went down to {$680.00} and I requested a payout. XXXX XXXX said it should not be a problem and reached out J & L Teamworks to settle. I waited awhile on the phone and when they returned they said that J & L Teamworks wanted {$7700.00} to settle and wanted to add XXXX other accounts to my balance. I said no. XXXX XXXX wanted me to sign a new contract to add the new balance and the XXXX other accounts, i said no. They said would I like to terminate my services till I have the funds to pay off the settlement and i said no I want to pay off the original agreement and they refuse to and hung up. When i got a statement the next month they add {$7700.00} to the balance and added the XXXX other accounts. I felt my first amendment right were violated. XXXX then sent me an email stating that i have been paying on the account I never agreed to and sending me false statements every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've had a mortgage on a small summer home for about 20 months. In XXXX, they decided to change the loan servicer to what looks like an in-house servicer, Rushmore Loan Managment Services. I have sent in payments, and have reaquested that they change the autopay option I have set up with XXXX XXXX XXXX, from XXXX account to another. I have written them, faxed them, called at least XXXX times. They do not change the account the monthly mortgage is taken from, and as a consequence every month I have to keep the new and old accounts filled with cash, not knowing which they will draw from. I asked our loan broker, XXXX XXXX, to look into it and he has had no success either. 
Calling in takes a long time to ge through to a human, I have done this XXXX times, each time they say it will be taken care of. The last XXXX, XXXX, said there was a record of my letter and fax. They have been 100 % non-responsive and are not allowing me to process my payments as my household moneys permit.

Company response to consumer: Closed with explanation