BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
First off, I read in the newspaper that I was being sued by a debt buyer that I had never heard of, then I had a court document delivered by local sheriff of a request for default judgment request. 

I had never received any letter from this debt buyer. I contacted the court and advised I had not received any letters and that I requested an actual hearing. 

The debt collector submitted a signed affidavit that said a letter was mailed via first class mail. No tracking info could be provided. 

I asked for proof of ability for them to sue me or ownership of the debt. They sent some papers that showed they bought a bunch of debt from XXXX XXXX. Nothing that showed me or any account directly associated with me. 

We appeared in court and the judge agreed the information provided was not supportive of showing any ownership, thus not granting the default judgment they requested. However, they continue to report this on my credit report after many attempts to have it removed. 

Secondly, the information they are reporting is inaccurate. I never obtained a loan directly from XXXX XXXX and the only loan I can possibly associate with it, is from XXXX and the account numbers are the same l, but the dates do not match. 

The debt buyers date is listed as after the possible loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: iReverse Home Loans, Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is not about applying for a mortgage this is about illegal advertising ( in my opinion ) I'm a XXXX and XXXX of my Listing Clients received a letter that implied that I was mailing them a letter. My name, My company and their MLS number was listed as the return address. It made it appear like I was mailing my client a letter. Within the envelope was his marketing letter which actually mentioned that I was possibly involved in a " conflict of interest '' if I was referring a preferred lender. 

I'm very upset and disgusted that he's using my name to get to my clients and it leaves me wondering how many other listing agents are not aware of his advertising practices. 

In the fine print at the bottom he does say that this info is not from your XXXX - this means nothing my clients already thought the letter was from me using me as the return address. I'm disgusted by this type of bait and switch advertising.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted via phone only about a debt supposedly owed. I have never received any documentation or any owed money to the original company nor have had any service as described by the debt collector. 
I asked for detailed information and they can not provide any specific information other than it being a final bill. 

I contacted the company they say is the original creditor and they can not provide any specific details on what they say I owe money to them. 

The debt collector will continue to proceed even though they do not have any supporting documentation, nor have ever provided anything in writing to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
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: Information is missing that should be on the report

Complaint:
SinceXX/XX/XXXXIve been dealing with Equifax. I found out that I was reported as deceased and show no credit score. I immediately got the contact information from the lender I was trying to purchase from. Ive spent hours, days, and months calling Equifax to get the run around. I was told they couldnt verify my information every time I would call in, was always placed on hold for an 1 to 2 plus, to than be told to write a address down to send proper documents. As of XXXX XXXX still dealing with issues with these people they blame everything on the lenders not reporting my information back to them. Ive spent countless of hours calling all my lenders to verify dates of when they report to Equifax. They dont care that credit file is not correct and causing my family and I a massive problem because I am trying to purchase a house and because I either as deceased or a XX/XX/XXXX credit score. Equifax reps tell me that I do have a credit score and that those folks are wrong and are lying to me not to give me credit. Im at the end of line here and have no clue what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: JTM Capital Management, LLC
State: WY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called my wife 's phone, I took the call, and said that I do not recognize the debt, she got angry and started belittling me stating " do you even remember working <here>? '' I said because of her attitude that I was terminating the call and to have a nice day. 

She then called my cell phone immediately after and said " Good I now have your phone XXXX XXXX '' and hung up. 

She then called my place of business, and said " is the owner in or are you the owner XXXX XXXX? '' and I hung up. She called back twice after immediately. 

Then she called my father-in-law immediately after that on his cell phone. 

This, after I said I needed to check to see if this was my account as I didn't remember 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 2021-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent communications to Portfolio Recovery Associates starting XX/XX/2020 seeking validation for an item XXXX XXXX XXXX XXXX  XXXX placed on my credit report. To date, they've not satisfied the validation requests that has been made by me. I reached out to the three credit reporting bureaus as well informing them this collection has not been validated to me and if it has been validated with the credit bureaus, at this point someone should send me the validation. I also let the credit reporting bureaus as well as the creditor know the FTC opinion letter from Attorney XXXX XXXX XXXX points out that a printout of a bill or itemized document does not constitute verification. 

The creditor has yet to send any sort of validation as well as ignored my request for proof that they are legally able to practice business in my state. I strongly feel the above listed company is in violation of FCR by placing derogatory items on my report and responding with the validation information requested within 45 days. I also feel like the remaining credit bureaus are also in violation by not removing the derogatory information after failed validation attempts. With that said, I have the receipts from the certified copies sent as well as copies of all communications sent including the help I solicited through the XXXX. At this point, I want to file an identity theft complaint against Portfolio Recovery and a defamation of character complaint against the remaining credit bureaus for not removing the derogatory information until the validation request has been satisfied. Please let me know if you need the paper trail and I will gladly move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account reporting, for credit and FICO Score purposes, issues with XXXX XXXX XXXX XXXX. XXXX is currently reporting my credit score in the low 400 's, without just cause. Each of my FICO scores, as reported by XXXX XXXX, XXXX ; XXXX, XXXX, and Equifax XXXX, are as follows. While I disagree with my XXXX  and Equifax reports and have repeatedly reported they are carrying erroneous information on my reports, the FICO score reported is considerably higher than the XXXX   reporting. XXXX  indicates they receive data from the referenced credit bureaus. There is no reason for this type of error, specifically in our given national emergency,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Tate and Kirlin Assoc
State: SC
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/2020 I received a phone call from Tate & Kirlin.  When I answered there was a pause before connecting me to a live operator who asked to speak with someone else. I advised the caller that he had woken me up as I am on a nights schedule and that this was not the number for the person he asked for. 

The pause in connecting me to a live operator is indicative of Tate & Kirlin 's use of an " automated telephone dialing system '' ( hereafter referred to as an autodialer ) as defined in the Telephone Consumer Protection Act. 

I wanted to inform the caller that the time of day he had called was inconvenient to me and to not call me during such hours.The caller identified that he was calling from Tate & Kirlin but he disconnected the line before I could tell him not to call at such time of day. 

My caller id listed ( XXXX ) -XXXX. I called back several times but the line rang to a full voicemail box and I was unable to leave a message. 

A XXXX search showed a number for Tate & Kirlin as ( XXXX ) -XXXX and that it is a debt collection company. I called that number and spoke to a female who confirmed that their company had called before. I confirmed my demand not to call during daytime hours and the female noted the request was recorded. 

I do not have a prior business relationship with Tate & Kirlin. I never give consent for Tate and Kirlin to contact me in any way, nor to use an autodialer in an effort to contact me. I do not have a debt that Tate & Kirlin is collecting. I am a third party that they were knowingly contacting in an effort to collect someone else 's debt. 

The initial male caller did not identity himself and did not state he was seeking to confirm or correct location information about the person he asked to speak to. Federal judge XXXX in Halberstam v Global Credit & Collection Corp noted that the Fair Debt Collection Practice Act states that the only permissible reason a debt collection company may contact a third party is to confirm or correct location information about a debtor. It is an unfair debt collection practice to contact a third party for any other reason. 

I sent Tate & Kirlin a certified letter in which I demanded a cash settlement in lieu of litigation for this violation of the Telephone Consumer Protection Act and the Fair Debt Collection Practices Act. Tate & Kirlin has not replied to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Friday the XXXX  of XXXX I returned home from work and was receiving a tremendous number of verification codes on my phone when I was not using it. I realized my accounts were being hacked. I called my bank immediately when they were open at XXXX. I found them not be be helpful with the situation. I made continuous calls requesting assistance to secure my account. On Sunday the XXXX of XXXX I was on the phone with a representative who was trying to help me transfer the XXXX that I had in my saving account when he asked me if I had an XXXX account and I stated no. He said the hackers were in my account and were changing my E-mail and password. I started yelling can't you stope them and he said no. They he stated they were moving money around. Again completely dumbfounded that the bank rep was watching this without doing anything I was begging for him to stop them. Since my password was change my bank Chime a subsidiary of XXXX would not allow me any access to my funds. Infract they allowed the hackers to move XXXX out of my account and transfer it to XXXX without my authorization. because the hackers knew the password that change my account to and I did not. I had to send copies of me standing with my ID, SS card, prof of address to them and they still did not protect me account or allow me to pull my money out. They left me with no funds, sent back my direct deposit after I told them I needed them to let me have that money I am a single mother. I finally gave up and closed my account allowing another direct deposit to go back. They said they would expedite my check so I would have funds to feed my son. However as of todays date XX/XX/2021 they have not even processed the check. My back did not support me or protect me when the XXXX was rejected by fidelity the entire XXXX did not come back there is still money missing They are telling me there is only XXXX in my account I do not know where the rest of my funds went and Chime is not helping me. After further research since XX/XX/2021 it has been reported that Chime has had over 900 complaints regarding very similar situations. Not allowing people access to their money and holding their money. I also found out that Chime is no longer allowed to say Chime Bank. Please help and direct me to someone who can help me find my money and get it back in a timely fashion. I really need my funds to be returned to me. Thank you for your time Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: LEXISNEXIS
State: CA
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 recently disputed a bankruptcy CFPB CASE # XXXX that was being reported by Lexis Nexis. First off I have no idea how Lexis Nexis received permission to share any of my information to any one without any permissible purpose. As we all know permissible purpose is when the person obtaining a consumer report " intends to use the information in connection with a credit transaction '' " this section specifically references a single credit transaction and should not be interpreted to allow for multiple uses '' Please tell me when I was in a consumer credit transaction with Lexis Nexis and when did they have the permission furnish any of my information to any person or organization. I have no agreement or business with Lexis Nexis, and unless the purpose for furnishing this report is listed as permissible purpose, it can not be provided without my express consent. Lexis Nexis is clearly in violation of XXXX XXXX XXXX ( a ) ( XXXX ) consumer 's right to privacy and XXXX XXXX XXXX XXXX ( b ). 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXXXXXX XXXX XXXX  or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Attached are the letters from the courts stating they do not communicate with the courts and the response from Lexis Nexis saying they " verified '' information which they have no purpose for doing so. Lexis Nexis has no Right without my consent or permissible purpose to report any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Experian Information Solutions Inc.
State: CA
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:
In XX/XX/XXXX of this year XX/XX/XXXX while out of town on a business trip our home was burglarized. Upon making the initial report and turning the matter over to our insurance company we noticed upon being notified by our bank that our personal information may have been compromised. 
Over the next several months we were informed that since XX/XX/XXXX numerous accounts had been opened or attempted to be opened utilizing my personal information. Upon receiving all this information I immediately contacted law enforcement along with the FTC. 
Based on the initial findings a police investigation was initiated and their findings clearly outlined several accounts were opened with stolen personal information. 
At the end of the month XX/XX/XXXX upon the completion of the investigation I was given both a finalized police report along with a signed affidavit of forgery from the FTC. I sent the information Via certified mail the XXXX XXXX XXXX in which they received the information and packet on XX/XX/XXXX. On XX/XX/XXXX I made contact with Experian via telephone XXXX number only to be told they have yet to make a determination. Despite all the overwhelming evidence the identity theft has caused they have yet to block the fraudulent information. The other reaming credit bureaus have already initiated and implemented the freeze and block of my personal information.

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 2019-04-23
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We had 3 different authorized transactions from our account. Community Bank Account for Our XXXX XXXX XX/XX/XXXX amount {$1600.00}, XX/XX/XXXX {$17.00}, and XX/XX/XXXX {$1100.00}. These were transactions made by XXXX XXXX from Virginia to an XXXX XXXX XXXX. I found theses and reported this to our bank on XX/XX/XXXX. We closed our account and opened a new account. After investigating some XXXX XXXX XXXX XXXX  refunded half the money taken. They said there wasn't anything they do because over 48 hours had passed. I am XXXX XXXX the treasurer of the club, XXXX XXXX is the one that is now Chairman for the recovery of the money. His home number is XXXX-XX/XX/XXXX-XXXX-XXXX and his email is XXXX. My phone number is XXXX-XX/XX/XXXX-XXXX-XXXX and my email is XXXX. Thank you for your time. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new construction home on XX/XX/2020, my mortgage servicer originally was The XXXX XXXX. My 1st payment was due and paid for XX/XX/2020, then on XX/XX/2020 my mortgage was transferred to Mr. Cooper, I had called to inquire about statements and all of that since my XXXX payment would be due and they informed me that information is still being transferred over. On XX/XX/2020 I received my 1st statement from them and the escrow account owed was {$1100.00} instead of the {$680.00} that it should have been and was with the original servicer ( which was still high for what was owed ). I called that same day and was informed that they would escalate for an escrow analysis. On XX/XX/2020 I still had not heard back so I called again and was transferred to an escalation specialist XXXX XXXX who confirmed that the amount due was much higher than it should after reviewing my annual tax and insurance dues, she also confirmed that there was no escrow analysis done despite my being told previously that it was set up to be done. She said 3-5 business days and there should be a response, there was no response so I emailed her XX/XX/2020 and asked for an update, she responded that it would take a little longer to resolve. I follwed up on XX/XX/2020 with another email and was replied on XX/XX/2020 that it was resolved and that it will take 48 hours for the new statement to be updated online. The new statement was not updated and I am on the phone right now with another agent ( XXXX ) who informs me that the analysis is only effective as of XXXX and that the extra {$480.00} is still owed for XXXX ( which I already paid the old servicer for ) and XXXX. She also informed me that the new payment amount will be {$2000.00}. Since the loan was transferred I had 60 days before negative impacts will occur, but that time is quickly coming up and with the holidays soon it will take away from actual hours worked on my case. 

I calculated my total annual escrow obligation to be as follows : PMI {$650.00} Insurance $ XXXX County Tax $ XXXX Municipal Tax $ XXXX School Tax $ XXXX for a total of {$3000.00} which comes out to $ XXXXmonth ( add a little in there for reserve funds XXXX XXXXTax amounts owed based on preliminary assessment, I have already appealed and have the assessment lowered so those values will actually decrease in a week or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Its a pandemic and I was late a couple days on my chase credit card, i didnt know there was a pandemic assistance before it happened and I had just lost my job and was waiting on EDD benefits to be approved to be able to pay my credit card bills Ive submitted a goodwill adjustment in hopes if getting it removed due to me being affected by a pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: AES/PHEAA
State: DC
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:
FedLoan Servicing manages my student loans. As a XXXX XXXX XXXX I am participating in the Public Service Loan Forgiveness ( PSLF ) Program. I submitted the appropriate paperwork to demonstrate that I have made 30 qualifying payments for each of my two loans. I submitted the PSLF certification paperwork on XX/XX/XXXX. I received a statement on XX/XX/XXXX stating that one of my had only 19 qualifying payments and the other had 23 qualifying payment. 

I contacted FedLoan Servicing via email on XX/XX/XXXX and I specifically asked FedLoan Servicing to let me know which months in the 30 month period did not meet the qualifying payment requirements. In response, FedLoan Servicing said in an account statement dated XX/XX/XXXX that one of my loans has only 25 qualifying payments credited, the other only 27 qualifying payments credited. Not only are the qualifying payments incorrect, I have not been notified which months in the 30 month period, do not qualify for PSLF.

Company response to consumer: Closed with explanation