BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-22
Company: The Law Offices of Daniel C. Consuegra
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
To Whom it may concern, I had a second property in Florida which I lost XX/XX/XXXX due to the financial crisis. Even though XXXX XXXX XXXX the original creditor provided a statement to the IRS clearly showing the balance remaining was {$140000.00} and the Fair Market Value was {$170000.00} at the time making this a phantom debt ( statement included ), also the statute of limitations in Florida is only 1 year. The Law Offices of Daniel Consuegra on behalf of their client XXXX XXXX XXXX who purchased XXXX XXXX zombie debts for {$1.00} including my own ( see my note assignment provided ) created a lawsuit mill which churned out thousands of debt collection lawsuits relying on deception and faulty legal paperwork. In my case this includes intentionally filing their lawsuit under a false address in XXXX XXXX, even though my original creditor statement from XX/XX/XXXX, my current drivers license, my credit report ALL have XXXX listed as my primary residence. Furthermore, even though I was NEVER served in this lawsuit, I did receive an unsigned court document only AFTER the default judgment was already filed as an intimidation tactic. This confirms they were aware of my address all along but willfully continued with the fraudulent filing. ( please see unsigned court documents ) Because of these deceptive and abusive legal tactics I have become a victim of unfair credit discrimination. I was offered a job, but after a background check the offer was rescinded solely because of this fraudulent judgment being listed in on my credit report. Resulting in great financial and emotional harm. 

I already filed a complaint against XXXX XXXX XXXX for their role in this scheme ( Complaint # XXXX ). 

Both companies are equally responsible for making me a victim of sewer service, and violating my credit rights. 

Since I have absolutely no connections, or contacts in XXXX and the CFPB has the authority to investigate deceptive, abusive, and unfair practices I am asking them to review my case and supporting documentation carefully. 

I appreciate agencies assistance finding a fair resolution. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: MN
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 convergent Account XXXX XXXXXXXX XXXX and Rent XXXX Has violated My rights. acc dates XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 


15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a accountant 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 explanation
Consumer complaint received 2022-10-18
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had my mortgage with Caliber Home Loans since we bought our house in 2015. I was in the process of an FHA XXXX loan modification with a partial claim trial payment plan offer when XXXX XXXX hit. I had paid the first modified payment, and the second one is not due until XX/XX/XXXX. 
I called XXXX and told them what happened in the storm. They gave me the information I needed to contact the insurance company and apologized for our loss. 
Today, XXXX XXXX, I got a letter saying that they transferred the servicing of our mortgage to XXXX Mortgage XXXX, a notoriously terrible company. This happened not even two weeks after I told them our house was damaged. 
I don't want to do business with XXXX, flat out. Do I have any recourse at this time, considering we are in a disaster area and are already in a terrible position? Are they allowed to do this even though I followed their instructions on the FHA XXXX loan modification and made my payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I student loan of {$480.00} has turned, through defaults, and bank fees, to a XXXX debt plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Esser, James & Associates
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This fake assets company harassing me trying to get my bank and credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I signed up for the American Express Business card in XX/XX/XXXX, but within a month I requested to close the account because business was not good. I called American Express to cancel my card and they had me connect to a manager to try to hold my account to stay open so they waived my membership fee and asked me to try the card and if I don't have any use of it, I may cancel the card. I agreed and used the card for sometime but then When I called to cancel my card in XX/XX/XXXX, my balance was XXXX  and had my card cancelled. No communication was made regarding any pending charges, then two weeks later I was charged a membership fee on my cancelled card. American Express also cancelled my personal credit with all accrued miles, points and benefits. 

Account Ending XXXX XXXX XXXX XXXX Credit Card XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: World Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
World Finance showed up on my credit report on twice. One account for {$140.00} and another for {$1200.00} and I have not had an account with World Finance in over 2 decades. They never sent me notification of debt when I requested it in XXXX, XXXX and still havent. So I called them and they claim to have bought the loan from a company that has since closed down in Tn. I ask for proof due to I have not had an account with XXXX since XXXX. They were rude when I called ( the female who answered the phone ). I was told I would receive proof and still never gotten it. I am requesting debt to be deleted since they failed to adhere to FCRA that states they have to send written notification within 30-45 and its going on 2 years and still havent received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Synerprise Consulting applied an unsubstantiated and disputed derogatory account on my credit bureau file. The disputed derogatory account was never agreed to by me. I never signed any agreements to pay the account in question. I never signed or agreed to be the guarantor for the disputed account. Snyerprise Consulting never contacted me prior to reporting the account as mine. I never signed any promissory note for the referenced account. And as previously stated I never signed or agreed to be guarantor for the account. Snyerprise Consulting has not provided any documentation of proof that I agreed or signed for the account in question. I never opened the account in question. I never signed any documentation agreeing to the account. I never agreed or signed documentation making myself guarantor or responsible for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX refuses to allow me to dispute the information that is old and should be be removed

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 2017-06-02
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In early  XXXX     2017 I contacted Fedloan Servicing through their message center requesting a DETAILED report of which payments they deemed as " qualifying '' for the Public Service Loan Forgiveness program including which dates and months that were not deemed qualifying and why. I was told they would  need 90 days to produce a detailed report ( not just a total number of qualifying payments, which is all they had provided ). I asked for this report because my calculation of qualifying payments was significantly off of the 79 months number they provided. I have contacted them several times through their website and by phone regarding this request not being fulfilled since  XXXX . Most recently  XXXX   XXXX ,  2017 I was t old a supervisor would be looking into why it has taken 5 months to produce this report. I still do not have a report. This is unacceptable as I am paying this servicer to service this loan, yet they are not providing a basic service of showing how they came to a number that is in my opinion incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Our loan was transferred to XXXX XXXX  XXXX in XXXX. Our payment amount was made in the correct amount of {$2700.00}. On time for months. Company has been reporting us late since they took it over in XXXX saying that we didnt pay enough money ( even though it was the exact amount on the statement ) so they didnt apply the amount until we payed our mortgage the next month and so on. Company will not fix it claiming our payment has always been {$290000.00}, even thought we have statements from them showing {$2700.00}.

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 2022-10-18
Company: Atlanticus Services Corporation
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am send this letterto fortiva to stop receive collections emails

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Amsher Collection Services, Inc.
State: IN
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:
Amshire Collections is attempting to collect a fabricated amount even though I have made due effort to make them aware of that. In XXXX 2012 I contacted XXXX XXXX to cancel my account because I thought their services were outrageously overpriced. The account representative said she would apply a " loyalty '' credit to my account, thus locking me in a XXXX month contract without consent. Upon canceling my account I was notified that I would need to pay a {$170.00} contract termination fee for a contract that I never entered. Amshire Collections has failed to provide me with any proof that XXXX XXXX had any sort of a contract with me to validate this fee or an itemized statement breaking down the charges that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing a complaint against Selene Finance due to the fact that I am going through a modification but I am being foreclosed on XXXX XXXX, 2015. When my account was transferred to Selene from XXXX XXXX XXXX, I was going through modification. I told Selene that I wanted to do a Deed in Lieu but was told I had to go through the other modification processes first, trial modification, short sale, then Deed in Lieu. Went through the trial modification. Submitted financial documents. My representative XXXX XXXX got with me and determined that my finances did n't allow me to be able to pay the {$910.00} trial mortgage payment. We contacted them and provided the information to them. After that was over in XXXX I began working on tthe short sale. I contacted a realtor to get help with that. I did n't know them personally but they told me they could set it up for me. Submitted information. Did n't hear anything from Selene so assumed everything was good. Then in XXXX, I got papers from the XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX saying I was being foreclosed on. Contacted Selene to find out what happened. Could n't reach my loan resolution contact XXXX XXXX. I was told that paperwork was n't received. Told them that everything was sent. They never contacted me to say anything. XXXX XXXX is supposed to be working with me and has n't lifted a finger to guide me or help me through this process. I have no idea what is going on. I have been treated terribly and this is n't fair. I need help and do n't know who to talk to or where to seek help. I do n't know how the foreclosure works and if I will just be put out one day while I am out. I am concerned and do n't know what to do. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: MO
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:
I am appalled by the ability of the Credit Reporting Agencies to comply to a simple requests in accordance with the Fair Credit reporting act section 605b. The Credit Reporting Agencies have been ignoring my requests sent via dispute letters and CFPB Complaints to immediately remove the disputed accounts and information completely from my Credit File. I have read that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft in accordance with the Fair Credit Reporting Act section 605b. I believe I am a victim of identity theft and that the accounts and information I have been disputing resulted due to identity theft. I have sent a dispute letter addressed to the Credit Reporting Agencies last XX/XX/2022, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. However, no matter how I try to dispute my Credit Report, the Credit Bureaus have been constantly paying no attention to my disputes and requests. I am submitting this CFPB complaint to request to the Credit Bureaus once more, to remove the following items completely from my Credit File : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The creditor Santander was supposed to remove debt from all trade lines as a result of a class action suit { Santander multi state ag settlement } for bad practices. I am unable to contact the correct department to have this debt removed. When i call Santander the representative try to collect the debt. I received the cash potion of the settlement but have been unsuccessful in having the debt removed from my credit report. The creditor has the debt listed on my credit report as charged off and updated monthly in an effort to further damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My chase personal Checking savings and credit card were all closed suddenly with out any reason. I went to a chase bank and even the officer banker was confused why they closed my account. I have no fraud or any suspicious activity on my account nor any late payments etc. Ive been a good loyal customer for many years and this came as a huge surprise. Its like they picked my name out of a hat. I felt like I was being punked. No one would give me a clear answer as to why they did this. Nor do they really have any reason to have closed my account at all. I cant believe they would just close a person account for no reason what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
esta factura esta pagada yo tengo mi comprobante

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 2022-12-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts a are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: OK
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 sent letter to Equifax. An account XXXX XXXX listed on my credit report as a charge off but listing an balance. This is falsely manipulating the status of limitations, which is a FRCA violation. This item should have been deleted from my report for inaccurate reporting. 

Only received a notice that report was updated. I show no change in my report and account should have been deleted.

Company response to consumer: Closed with explanation