BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I began disputing an alleged debt with Wakefield & Associates in XXXX 2017. On XX/XX/XXXXI requested " validation '' of the alleged debt. OnXX/XX/XXXX they responded with a copy of a bill which does not constitute validation of debt under the FCRA. Once again onXX/XX/XXXX I requested validation. They replied by saying they have already done so and are not obligated to provide duplicate information. I then sent a dispute to all three credit bureaus asking for " validation ''. They responded by saying the debt has been verified and updated my credit report with the consumer disputes. I even asked the credit bureaus via telephone " what is the process used to verify debt ''. Nobody can provide me with any answers. I sent a second request for " validation '' to all three credit bureaus. Once again they were unable to provide me with the information requested. The name and address matches mine but not the DOB. I have been going back and forth with Wakefield and Associates as well as the credit bureaus for nearly six months with no resolution in sight. This is not my debt, nobody has been able to provide me with any documentation to prove that it is mine. I should not be held responsible for something that does not belong to me. I would like for Wakefield and Associates to remove this account from my credit reports as it is not mine. I am trying to obtain a mortgage and this delinquent account is hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX is saying I owe for medical. All of my hospital bills were paid by grants and XXXX. I sent this information to all the credit bureaus. And transunion is the only place it remains. I would like them to follow suit and remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: MI
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:
To whom this may concern, Experian credit reporting company had recently received a dispute letter along with multiple documents on XX/XX/XXXX, and a dispute was initiated with a report number : XXXX ; stating evidence that the public record case XXXX was either have been reported inaccurately by the furnisher or is not on record with furnisher ( XXXX ). Experian claims that XXXX reported back saying it verified the public record. This is a complete lie and false claim according to the evidence, and due to the fact that the furnisher did not have any record of this public record prior to the dispute being filed. How is it your company is verifying information with a company that does not have the record on file. Your company is violating the federal law ( Fair Credit Reporting Act ) by issuing falsified verifications for my dispute. I have filed multiple complaints regarding this, and I am tired of your company falsifying fake verification 's. I have attached evidence of the dispute and of the furnisher 's statements. 

XXXX XXXX XXXX : XX/XX/XXXX address : XXXX XXXX XXXX, XXXX, MI 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 2017-09-07
Company: Selene Finance LP
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
No offer to modify this mortgage before filing action for forecloser. Selene Finance violated the CFPB rules to HELP keep homeowers in their homes. 

Selene Finance is being sued for insurance fraud by XXXX vs Selene XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX This Loan was originated XX/XX/XXXX with XXXX XXXX, now defunct, at 7.5 % 30 yrs. XXXX XXXX took over the mortgage from XXXX XXXX. 

XXXX XXXX was servicer from XX/XX/XXXX-XX/XX/XXXX, and here is where the loan payment discrepancy occurred. 

XXXX XXXX sold servicing rights to Selene Finance ( XXXX ) XXXX, who after zero missed payments, and no offer to modify this mortgage decided to stop receiving my monthly payments at the end of XX/XX/XXXX. 

I have been battling with Selene, and their Lawyer since XX/XX/XXXX. 

My mortgage is not foreclosed at this time, and I hope to refinance with another mortgage provider to a get start fresh. 

I have the ability to pay monthly, my income is {$70000.00} per year, and have been employed with the same XXXX for 18 straight years. 

The value of my home is {$200000.00}, and the balance on my mortgage is {$150000.00}. 

I have {$51000.00} of equity in this home. This home has been in my family since XX/XX/XXXX, 40 years. 

Please offer me a new mortgage. I only want to refinance the balance {$150000.00} for 15 years. 

Thank you, XXXX XXXX, XXXX. 
( XXXX ) XXXX My FHA Case # is : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX My name : XXXX XXXX XXXX, XXXX. 

This is the information on the DEED OF TRUST that I have, and signed XX/XX/XXXX The current loan servicer is Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Their Attorney is XXXX XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX My family purchased this home in XX/XX/XXXX. I refinanced this home in XX/XX/XXXX, and have paid over {$140000.00} towards this mortgage. I want to keep this home. 

Please help! 


Loss Mitigation Services for FHA Homeowners XXXX XXXX, XXXX. 


No offer to modify this mortgage before filing action for forecloser. Selene Finance violated the CFPB rules to HELP keep homeowers in their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was still found in my reports. The XXXX, Experian and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVIENT XXXX Balance Owed : {$6100.00} NAVIENT XXXX Balance Owed : {$2700.00} NAVIENT XXXX Balance Owed : {$5000.00} NATLCRSYS XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$3100.00}

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 2022-02-15
Company: Halsted Financial Services, LLC.
State: KS
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:
I have been receiving debt collection calls for XXXX XXXX for over 2 years now. I have submitted previous complaints against XXXX university and XXXXXXXX XXXX, and Halstead Financial has now called me multiple times as well attempting to collect some debt from XXXX XXXX XXXX They have told me numerous times they will take my number off their call list, but they don't and I still get calls. When I asked them out they got my number, they told me it was left as a point of contact so A ) they are lying because I have had the same phone number for almost 20 years, or B ) XXXX XXXX lied about her phone number some some credit applications or something. The XXXX, XXXX  Police Department has an open identity theft case from 2020 regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Elan Financial Services sent XXXX PLATINUM CARD AGREEMENT with no identifying information as to which company they are performing credit servicing for. I contacted customer service at XXXX XXXX on XXXX XXXX and spoke to XXXX ( they record conversations, per XXXX ). She requested my SSN and I declined as uncertain whether this was a scam. 
She was unable to locate an account for me using my complete name and mailing address. She stated " this is probably a scam letter ''. I commented " are you a scam as all phone numbers point to you ''? She said " no, as i didn't give her my SSN ''. I advised her at that moment I would be reporting them to the XXXX, Fair Trade Commission and Office of the Attorney General. 
Thank you, 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 2020-07-31
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020 I received information via my credit monitoring service that he credit limit on my Target RedCard was reduced from {$1300.00} to {$500.00}. Since I normally only use this card a few times a year and always pay the statement balance immediately upon receipt I was concerned and contacted RedCard 's customer service to find out why. I was told that my credit line was reduced due to inactivity for " several '' months, which is not a policy I was ever made aware of previously. Had I known or received any prior notice that this action was pending if the card was not used by a certain date I certainly would have made an immediate purchase with the card simply to protect my credit rating from the damage of a negative action. When I expressed this I was told that " any changes to a customer 's credit line are listed on the monthly billing statement '', which obviously is after-the-fact and does not give the customer an opportunity to take action to prevent the action. 

I have plenty of credit cards and can easily survive without my Target RedCard, but I feel that it is unacceptable for financial institution to take unwarranted actions like this that damage a person 's credit rating, and especially at a time when the XXXX pandemic has put our financial security in a particularly precarious position. At a very minimum they should be required to provide customers a prior notice to pending actions so that they have the opportunity to remedy the situation if they are able.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Exeter Finance Corp.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Exeter Finance claims that I owe the repayment of an auto loan. I disagree with their claim because I paid the bank for an extension of my own credit via a Finance Charge when I signed the contract for the XXXX XXXX XXXX back on XX/XX/XXXX. According to 15 USC 1605, ... the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The portion that says, ... payable directly or indirectly by the person to whom the credit is extended refers to me, the consumer, and the portion that says, ... imposed directly or indirectly by the creditor as an incident to the extension of credit., refers to the banks. The transaction was completed at the signing of the contract because the initial payment of the finance charge was needed for the banks to extend my credit to the dealership for the car. When I asked for the verification of the original creditor, not just the creditor, the bank claimed that they were the original creditor for each respective contract. This is false because the role of the bank is not to lend credit pursuant to 12 USC 1431 since it is not stated as a part of the Powers and Duties. By omission, I must be the original creditor since I am the only other party present in the consumer credit transaction. Therefore, there is no need to pay back something that already belongs to me, eliminating the idea of any debt. The only thing I would have had to pay to the bank was the Finance Charge which was already paid as explained earlier. This was a consumer credit transaction which was completed therefore there is no debt that I owe. I asked for validation of debt and each bank sent me a copy of the contract attached below which clearly indicates the price for the Finance Charge that I paid via my credit card for the extension of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: CORELOGIC INC
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX of XXXX XXXX contacted me about a Mortgage product, had a short discussion with me, and proceeded to do a Credit Inquiry on XX/XX/XXXX without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX # XXXX Reporting late payments and inaccurate information. 

Transunion reporting information without my written consent, XXXX reporting imformation without my concent, XXXX reporting information without my concent and all inaccurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Gave permission for none of these XXXX XXXX XXXX  reporting collection inaccuracy and without permission XXXX XXXX XXXX reporting collection inaccuracy and without permission list of creditors inaccurate and without permission XXXXXXXX XXXX XXXX  innacurayly reported XXXX XXXX XXXX  XXXX negative payments reported inaccuratly JXXXX XXXX XXXX XXXX reporting late payments inaccurate XXXX  Reported : XX/XX/XXXX inaccuratly reporting late payments many on time payments not being reported. This is a violation of my rights and i have not given permission for any of nthis

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm listing agent on a property and the Buyers contacting me directly stating that they don't a REALTOR. I showed them the house and i wrote a Offer on it, the buyer were revising the Contract when the Mortgage Broker Offer them a KICKBACK OF {$2000.00} in orderto use their preferredRealtorand this is illegal lender information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Consumer Portfolio Services, Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ok so I purchased a vehicle in XX/XX/XXXX of 2017 and was financed with Consumer Portfolio Services. Everything seemed fine, and admittedly I was late making the XX/XX/XXXXpayment partly due to difficulties trying to pay them via phone. I decided ultimately to pay the bill by check through the mail. In XX/XX/XXXX a check was mailed to CPS. I never received any sort of correspondence from CPS regarding not receiving payment nor a bill for the month of XX/XX/XXXX. I was going to send a check for payment of the month of XX/XX/XXXX and then woke this evening to find that the vehicle was not in my driveway. I attempt to call CPS upon this realization and can get no actual person other than a recording. I then access the companies website and access statements sent to me and find that the only thing sent to me according to their website is the bill fore XX/XX/XXXXand nothing else. I have received no phone calls, no further mail, no email and they do have my contact information both personal and work. All attempts to contact CPS have been exhausted as this is sort of an emergency due to the fact that I do have medication inside the vehicle that was just filled yesterday and I have no way of getting it replaced due to law. No attempt was made to afford me the opportunity to retrieve personal belongings from the vehicle which I am especially bitter about. I then find that their website shows that my account was not credited for payment sent in XX/XX/XXXX. After further research I found that this is not an isolated incident and that this sort of problem seems to be rather normal for the company 's operation. I have also submitted a complaint directly to the company but have n't heard anything from them regarding this. The complaint was submitted today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Convergent Resources, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX XXXX I disputed an account in the amount of {$3200.00} I had in collections to have been fraudulently opened. It was removed from my credit report. Then it was reinserted into my credit report in XX/XX/XXXX. I was not notified at all. This reinsertion lowered my credit score and also started the illegal re-aging of this account! I sent a certified letter to XXXX asking them to remove this Item off my credit report but haven't received a response and haven't been notified that they received this letter. This account is now open and last reported to the credit bureau on XX/XX/XXXX. Negatively affecting my credit on a monthly basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As a full-time employee of a qualifying non-profit organization, I am able to make payments that count toward Public Service Loan Forgiveness. Despite filling out all appropriate paperwork and getting certification from my employer promptly each year, only 8 out of 13 of the payments were counted toward forgiveness, despite the fact I made  all of them promptly and within the requirements of my income-driven repayment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX_this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report.
This is a violation of both the FCRA and FDCPA Sec 809,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Purchase car and used their own Loan Company BMW Financial and loan started from XX/XX/XXXX on my wife 's name, XXXX XXXX XXXX, but I was secondary ( XXXX XXXX ) From 1st Month onward, I had setup auto payment on my bank account.
I have completely paid off my Auto Loan as of Today.
For 2 months, XX/XX/XXXXand XX/XX/XXXX, due to BMW 's technical glitch in bill payment system ( which they agreed on phone ), they kept charging on my old account.
Initially they charged 2, {$25.00} late fees of {$50.00} total. But after a series of phone calls and emails, they agreed their mistake and " Adjusted the late fees '' and credit me back {$50.00}. They NEVER informed me, that their automated system had already sent this to credit bureau, without, properly checking detailed about my payment and the issue.
I had contacted them several times and talk to them, but they wo n't remove the entry from bureau, even it was their mistake. They have been extremely arrogant, adamant and unfair with someone like me, who has always paid on time, set auto payments.
I am kindly requesting, and hopeful you guys can help me out here, as I am planning to buy a house, and this is negatively impacting my score.
Thanks in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: JP RECOVERY SERVICES, INC.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX this number is calling multiples time a day, I decided to answer when the person on the other side of the line a female, asked for my XXXX years old name, social security number and day of birth, I asked who is this, the female refused to answer my questions after I refused to give my daughters social security number alleging that this a business matter, when I asked what type of business she replied unless I do n't give the information that she is asking for there is no business to discuss. I researched the number and I realized that this is medical collections on my husband name not on mine, also the bill stated XX/XX/XXXX, we never received any statement of this collection. 

This company is contacting family members and requesting information about minors, keep calling more than 4 times a day. I want them to stop collections of this alleged debt that my husband does n't owe, we researched and ALL medicals bills are paid for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation