BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: Real Time Group, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We would like to seek your help with an issue that we have been having with the mortgage servicer/debt collection. The mortgage servicer has violated the Real Estate Settlement Procedures Act. While they held an encumbrance on property and they didn't notify the transfer in timely manner to the borrowers. They sent us the documentations showing the property was transferred from XXXX   XXXX XXXX until last year. Even through they had it transfer since XX/XX/XXXX according to the documents they recently sent us. 
They have done so, after we contacted CFPB last year to explain our frustration with the lender. We didn't know if Real Time Resolutions had an interest in the property since XX/XX/XXXX. We know about the lien through a closing in XXXX. 
Due to all the mortgage frauds that have occurred so much in the country, we made several inquiries to the servicer to require the " Legitimacy '' of the encumbrance. Again, they never told us or explained their right on the property till last year once we contacted you. Recently, we received one of their statement saying they will proceed foreclosure on the property. This loan has an interest RATES of 11:55000 %. 
This unscrupulous lender has hidden the mortgage, where we would be eligible for a loan modification while the 1st mortgage was modified with an interest rate of 2 % and a reduce principal in XXXX. We believe their action is deceptive and misleading.The lender mentioned, they have contacted us, after we filled for bankruptcy chapter XXXX in XXXX. Yes, we did file for bankruptcies at the moment of great financial challenges, but we never file with their account. Because in XXXX we didn't know about their existence. 
Real Time Resolutions has failed to disclose in the initial written communication with borrowers.They have used unconscionable act by keeping the account in silence to take advantage of high interest rates. Due to misleading and deceptive acts of the lender. we are asking Real Time Resolutions to release the ENCUMBRANCE of the property free and clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My Perkins loan is managed by XXXX XXXX. On XX/XX/XXXX attempted to get documentation of my partial loan cancellation, which was allegedly approved in XX/XX/XXXX. While my current balance on the website matches with the partial cancellation, my most recent statement is from XX/XX/XXXX and reflects the old balance. Customer service stated that they do not provide any documentation, including loan verification. Customer service also stated that I would not receive any loan statements while my loan is deferred. Therefore, zero documentation exists to support my current loan balance. Providing loan verification is a basic loan function ; for example, XXXX readily supplies automated loan verification documents. No such function for XXXX XXXX exists, and their customer service refuses to supply any documentation. Loan verification is required for various processes, including taxes and mortgage approval. Because XXXX XXXX will not provide verification of my loan, I am unable to apply for a state tax credit related to student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Resurgent Capital Services L.P.
State: FL
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:
XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ATTENTIONION : IN RESPONSE TO CFPB : XXXX Whom It May Concern : According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Alleged Name and Address of Creditor 1. Name on File of Alleged Debtor : 2. Alleged Account # : 3. Amount of alleged debt : 4. Date that this alleged debt became/becomes payable : 5. Date of original charge off or delinquency : 6. Amount paid if debt was purchased : 7. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

8. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

9. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 10. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: LA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2023-01-08
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a letter in the mail that is clearly fraudulent. It looks like a scheme where it says I disputed something on my credit card as well as included what I ordered and they ask me to call and fax them more information to steal my identity and credit card information. The information provided in the letter is false and clearly a scam. I have included the letter, envelope and products that are said to be purchased by me.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX MXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am writing to request your assistance in addressing critical issues I have encountered regarding the verification, validation, and accurate reporting of information on my credit reports as per the guidelines of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. I have been diligently disputing the following inaccuracies with Experian, XXXX, and XXXX since XX/XX/2023, yet they have failed to properly investigate the reported discrepancies :

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 2020-04-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, a wire transfer of {$5500.00} USD from XXXX  XXXX XXXX to JP Morgan Chase was sent incorrectly to a closed account. On a phone call on XX/XX/2020, JP Morgan Chase verbally admitted to finding the incorrectly sent wire and said the wired funds would be rejected and returned. 
On XX/XX/2020, Funds have not been returned. A written message was sent on JP Morgan Chase 's secure message center with the wire transfer details requesting a return funds status update. 
On XX/XX/2020, Funds have not been returned. XXXX XXXX XXXX sent a wire administrative message to JP Morgan Chase with a request to return the funds. 
As of XX/XX/2020, Funds have not been returned. JP Morgan has not answered the written message or the wire administrative message from XXXX XXXX XXXX. Another phone call to JP Morgan Chase was made to inquire about a return funds status update. This time JP Morgan Chase provided a reference #. 
As of XX/XX/2020, Funds have not been returned. JP Morgan has not answered the written message, provided investigation status, and they have not returned the funds to XXXX  XXXX XXXX yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America was attempting to conduct a loan modification without the knowledge or authorization of this writer. Their attempt to modify the loan led to a dispute that has lasted ten months. Bank of America has refused to come forward with the truth about what happened and instead has hidden behind vague claims, d ensuring that they address the issues in a manner that leaves no written evidence of their actions and intentions. 
In addition, my credit score was affected when Bank of America conducted a credit inquiry, again without my knowledge or authorization. 

Bank of America overcharged this writer {$170.00} over the total amount due. Note that the over-paymentwas never acknowledged by Bank of America. On XX/XX/2019, Bank of America mailed this writer a check for the amount of {$100.00}, however {$77.00} have still not been reimbursed.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act, US Bankruptcy Court Reference # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-11-28
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received notification from EdFinancial ( a student loan servicing company based in TN ) in XX/XX/XXXX, that the balance of my consolidation student loan was forgiven because I had made payments on it for 25 years, from XXXX through XXXX. Between XXXX and XXXX, I had made excess payments of {$9500.00} on the student loan. I understand that I am to receive a refund of the overpayment of {$9500.00}, and I have inquired since XX/XX/XXXX several times, as to when the refund will be sent to me. No response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act.The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: LEXISNEXIS
State: IN
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:
On XX/XX/XXXX, I received a notice of cancellation from the insurance company providing my Homeowners policy. The reason stated was that they reviewed my claim history from the Comprehensive Loss Underwriting Exchange ( CLUE ) database provided by LexisNexis. The cancellation notice contained a record of a claim for water damage that I did not recognize. On XX/XX/XXXX, I contacted LexisNexis and was told that a new claim for a loss that happened on XX/XX/XXXX was added to the database under my name. After further review, it was clear to the LexisNexis clerk and myself that this was an error since this claim belonged to a person with a similar name but lives in a different state and was insured by XXXX XXXX XXXX XXXX  XXXX which I have never done business with. I filed a dispute to have this record removed and a request for a report of all my records. On XX/XX/XXXX, LexisNexis sent me a letter stating they had verified that their claim information was correct for this dispute. I immediately called and initiated a new dispute but i have to believe that little to no effort by LexisNexis was dedicated to adjudicating this dispute since it is obviously a different person with a different SSN. 

Relative to the report request I made, LexisNexis sent me a letter which I received on XX/XX/XXXX with a URL to access my CLUE information. The number of records in this report and the amount of inaccuracies was stunning. The report has these sections : Identification Records, Address Characteristic Record, Phone Records, Business Association Records, Online Marketing Records, Property Deed Records, Property Assessor Records, Insurance Policy Records, Automobile Insurance Claim Records, Property Insurance Claim Records, and Inquiry Records. Within these sections there were over 65 areas where the information was incorrect and obviously related to other people with a similar name. On XX/XX/XXXX, I called LexisNexis and disputed all approximately 65 inaccuracies. The other cause for grave concern was the amount of Personally Identifiable Information ( PII ) that LexisNexis is exposing when they provide reports intermixed with different individuals information. This report has SSNs, email addresses, cell numbers, addresses ( both past and present ), spouse names, policy numbers, mortgagee, etc. This is extremely sensitive information that should be addressed by CFPB to ensure that LexisNexis implements better protective measures with this information in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: VA
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 XXXXXXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose reporting lates XX/XX/XXXX AND 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 2023-04-22
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt collection company : SIMON 'S AGENCY , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This company keeps trying to collect a debt that been paid by New York State Emergency Rental Assistance Program I tried to contact them and dispute the false information but they continually harassing me with payments for dates already paid and reporting me to the credit bureau even after more than one year from receiving the government payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: NC
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:
I have been a victim of ID theft THIS IS NOT A DISPUTE. I have notified the 3 credit bureaus numerous times on this crime and they are willfully, knowingly with intent refusing to REMOVE AND PERMANENTLY BLOCK several of these fraudulent accounts in an attempt to cause me damages. They are even allowing the alleged creditor to change the account numbers and dates to keep the fraudulent accounts on my report to cause me damages. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please see Affidavit of ID Theft for a complete list of all fraudulent accounts associated with this crime. Willful refusal to remove and block is now a violation of several sections of the FDCPA AND FCRA specifically sections 605 ( b ), 615 ( f ) and 623 ( A ) ( 6 ). PLEASE IMMEDIATELY REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS within 4 days of receipt of this report.

Company response to consumer: Closed with explanation