BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Transworld System Inc is improperly reporting a collection account for original creditor : Arizona Public Service. This account was paid directly through APS and they send a deletion letter. Transworld System Inc is still reporting this on the credit report as a paid collection. I have reached out to them and they refuse to accept the letter from the original creditor. They also refuse to properly update my credit report. This account should never have gone to collections. This was a mistake of APS which they regret and have provided a letter stating that the account would be deleted from my credit. This is preventing me from getting a mortgage and the improper use of my credit report has already caused monetary damaged and will continue to do so if this is not removed. Under the fair credit reporting act, if information reported to the credit bureau is incorrect, the information must be deleted. This is the case here as Transworld Systems is reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: MI
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:
I disputed a item on my credit report with experian and as a result it was removed from my credit report on XX/XX/2020 then on XX/XX/2020 it was put back on my experian credit report i have filed another dispute and they are refusing to remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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 provided them the name of the account and I highlighted the incorrect information on there.

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 2021-03-22
Company: AMERICAN EXPRESS COMPANY
State: AR
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 rewards from credit card

Complaint:
Filed complaint XX/XX/2021 lettter addressed as follows as prescribed by American Express dba AMEX : American Express XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX XXXX : Failure to Perform Claim Notice : XXXX XXXX Preferred Card ending in XXXX Rewards We activated our XXXX cards, names XXXX and XXXX XXXX, in early XX/XX/2021. Weeks later we received Detail of Changes to Your Cardmember Agreement including 'Sending a Claim Notice ' pg. 6 of 11. 

We have made timely monthly payments for grocery purchases to AMEX but no Rewards have been applied. Monthly average over {$1000.00} a month. 

Still no response from AMEX. Monthly payments to AMEX since XX/XX/2021 nor response per their requirement to " complain '' filed nearly 2 months ago, i.e., since XX/XX/XXXX. We are now requesting assistance from the CFPB in XXXX DC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX the XXXX XXXX, I received the attached letter demanding money. The demand letter was from Radius Global Solutions LLC. The demand letter was requesting XXXX which is incorrect, and I dispute it in its entirety. The demand letter states that it is for an account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX The person who received service from them according to the demand letter is XXXX XXXX whom I'm not familiar with. This letter demanding money does not belong to me, it is bogus and is fraudulent because, I do not know the person ( XXXX XXXX ) who received service from them on XX/XX/XXXX. In the interest of consumer focus, I am requesting that Radius Global Solutions LLC suspend their collection efforts and close their file. Furthermore, per their contractual requirements, I am also requesting that they close this account and return it to their client for further review. Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of Minnesota. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of North Carolina against Radius Global Solutions LLC Sincerely, 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 2024-01-10
Company: FC HoldCo LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
CEASE AND DESIST NOTICE Dear XXXX / XXXX XXXX XXXX. : Throughout the time frame of XX/XX/2023 to the present day, your company has repeatedly contacted me, claiming that I owe a debt under Flagship Credit Acceptance LLC account number XXXX. I do not believe that I still owe this debt after your receipt of my presentment on or around the date of XX/XX/2023, as well as another in XXXX of 2023, containing debt instruments as well as instructions for the setoff, settlement, and closure of this account. Further, I have repea requested that you validate the claim that this debt has not yet been settled, set off, and closed by affidavit under full commercial liability, but you have disregarded these repeated attempts to validate the debt. 
Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort as well as other private and/or commercial damages. You have violated HJR 192 PUBLIC LAW 73-10, as well as 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act and breached your duties as fiduciary trustee by harassing me regarding this debt.

I demand that you cease and desist of this activity as soon as possible within ten ( 10 ) days from your receipt of this Notice. This includes eliminating this account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all collections and communications to me. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. 
Kindly govern yourself accordingly.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 714,719, I presume that no proof of the alleged debt, nor therefore, and such debt, in fact therefore exists. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
THIS IS A LEGAL NOTICE AND WILL BE USED AS EVIDENCE IN A COURT OF LAW On or about XX/XX/XXXX Navy Federal Credit Union repossessed my 2013 XXXX XXXX without providing my right to Due Process nor having cause to repossess my automobile. 
In the year XXXX I requested transactional information of our auto loan agreement. To date Navy Federal Credit Union has not provided the information I have requested. Due to the fact that Navy Federal Credit Union either refused or failed to provide the essential transactional information I requested I informed Navy Federal Credit Union that I would cease to remit any payments to Navy Federal Credit Union as I was not sure and had doubts of the accuracy of the information of the auto loan agreement we signed. 
On several occasions in XXXX and XXXX Navy Federal Credit Union contacted me about payment to my auto loan agreement. I never informed Navy Federal Credit Union that I refused or did not want to pay, I merely informed Navy Federal Credit Union that I would make payments upon receiving the transactional information I requested to ensure I was making the correct payments and in accordance with the agreement. I informed Navy Federal Credit Union that there was an error in my auto loan agreement and that I wanted to review the information first before making payments. Navy Federal Credit Union refused to provide the information. 
Today, XX/XX/XXXX, without notice to me that Navy Federal Credit Union would take my automobile nor a Warrant issued by a Court of Law was presented to me as the Authority to take my automobile. Navy Federal Credit Union took my automobile without my knowledge consent nor authority to take the automobile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
These unauthorized inquiries are reporting on my profile and are preventing me from opening new credit : XXXX XXXX XXXX XXXX XXXX They are also reporting my name misspelled as XXXX XXXX XXXX and XXXX XXXX XXXX My name is spelled XXXX XXXX XXXX. 

They are also reporting a wrong address on my report. That address is XXXX XXXX XXXX XXXX XXXX XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: CL Holdings LLC
State: SC
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:
I have never received any correspondence or communication from Jefferson Capital I dont have any kind of contracts or accounts with them. Upon further investigation they are a third party debt collector that is not licensed as such in South Carolina. They are listed as a XXXX XXXX  which is defined as this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX strongly suggests a potential applicant submit a detailed business plan as described in the new application checklist. This should be done prior to applying in XXXX to determine the correct licensing jurisdiction. 
Who is required to have this license? 
An entity that is making consumer loans or is taking assignments of and undertaking direct collection of payments from or enforcement of rights against debtors arising from supervised loans. A supervised loan means a consumer loan in which the rate of the loan finance charge exceeds twelve percent per year as determined according to the provisions on the loan finance charge for consumer loans ( Section XXXX XXXX ). 
If a website will be used to take supervised loan applications or process payments electronically for supervised loans, a separate supervised lender website license will be required in addition to the license for the home office. 
A separate application request and fee will be required for each website. 
They are a debt collector company and fall under the -Who does not need this license section : ( a ) Mortgage lender as defined in Section 37-22-110 ( 30 ) ; or ( b ) Retail sales contract. An entity performing retail sales transactions/ contracts is not required to and will not be issued a supervised lenders license. See Title 37 Chapter 2 on the SCCPC.

( c ) Third party debt collectors. Entities that are collecting debts for other lenders.

( d ) Passive debt buyers.
They do not have the appropriate license in my state in addition to no communication from them to me. In addition to the follow 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

I do not have an account with nor any contractual obligations to them/with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
We purchased our home in XXXX and we had XXXX loans, a first and a second with XXXX XXXX. In XXXX our mortgage was transferred to XXXX  XXXX XXXX as a result of a crash in the housing market. When we reached out to XXXX  of XXXX about the loans, they indicated that they were only aware of the first loan and that we no longer need to worry about the second as it had been charged off. Since the second mortgage was still showing up on my credit, I reached out to the debt collector ( XXXX ) that was listed in XXXX. In XXXX, I sent them a letter to remove the debt from my credit report and they responded in XX/XX/XXXX. 

XXXX - XX/XX/XXXX, responded that account closed XXXX XXXX and we are no longer liable for debt and no balance due. reported to all credit bureaus and the tradeline was deleted. 
XXXX - XX/XX/XXXX, received another letter stating that servicing of our loan is being transferred to SLS effective XX/XX/XXXX and they will be collecting payments and they will stop effective XX/XX/XXXX. 

So I reached out to Specialized Loan Services stating that this loan had been charged off and that no balance was due. On XX/XX/XXXX, I received a letter stating that they are new loan servicer.On XX/XX/XXXX, I received another letter stating amount of debt and outstanding fees owed. For the next few years SLS continued to send statements stating that we owe them even though nothing was on our credit and no title had been on file with the county stating them as a lien holder. 

In XXXX we refinanced our house with XXXX XXXX XXXX ( XXXX ). The loan officer asked ( via email ) if we had a second since something came up and I told him about the situation with XXXX and asked him if that needed to be paid off since they were trying to collect a debt that had been closed. The loan XXXX stated that title and escrow couldnt find anything and we were cleared to proceed with the refinance. 

In XX/XX/XXXX, we started receiving multiple phone calls about our house being in pre foreclosure and XXXX had filed a Notice of Default on behalf of SLS and that we needed to pay or they would foreclose on our house. I went back and forth with them and XXXX and the title company to see who was liable and how is this possible. We also were recently served by XXXX listing us and the second lien holder in their suit to stop the foreclosure process and stating that we did not disclose the second at the time of refinance which is not true. We have filed a claim with the Title company ( XXXX XXXX ) and they decided they were not at fault. We do not know what to do but we want to keep our house but the timeline is short to save it and we can not afford to pay this nor a lawyer.

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 2021-12-17
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, XXXX XXXX XXXXXXXX, caused to file a foreclosure action alleging a breach of contract under the terms of the loan modification. Under Florida law, a loan modification is a novation to the original loan contract ... .see Florida case law XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX When a debtor engages in a loan modification, the loan amount increases therefore the lender must pay the imposed intangible & stamps pursuant to Florida statute 201.08 ( 1 ) ( b ), 199.282 ( 4 ). For further clarity see Florida caselaw XXXXXXXX XXXX XXXXXXXX. A lender or financial institution does not have any enforceability in this state until the taxes imposed by the state are paid in full. You caused to file a foreclosure action yet you do not have any enforceability therefore you must dismiss the action. The loan modification agreement can not be recorded because it was not notarized. XXXX County recorder office will not record an instrument that is not original nor notarized. A closer look at the loan modification agreement reveals it does not reflect the property legal description. See Florida Caselaw Fed. XXXX XXXX v XXXX XXXX, judgment can't ever be entered until the legal description has been corrected. The loan modification must be amended to included the legal description. In the event the issue can not be resolve the courts have no choice than to dismiss the case. The fact that you have failed to record the instrument and pay the taxes imposed by the state warrants an investigation into your organization as the matter may be construed as tax evasion. What is tax evasion? " The illegal nonpayment of tax ''. " An illegal attempt to defeat the imposition of taxes by individuals, corporations, trust, and others. This matter is being investigated by the Florida Department of Revenue and the Department of Treasury. There are millions in loan modifications where financial institutions are collecting payment yet have not paid a dime to the State.

Company response to consumer: Closed with explanation