BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The company refused to pay me the cash back of {$17.00} after they told me it would be applied. I made a purchase of {$19.00} then paid {$2.00} to cover the difference. Now they claim I'm not getting the cash back and I owe them {$17.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: BMW Financial Services NA, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Mini of XXXX XXXX is a dealership that is affiliated with Mini Financial Services. 

Summary : My wife and I paid off a lease of a XXXX XXXX XXXX Mini of XXXX XXXX and received a receipt of the payment acceptance on XX/XX/2022. On XX/XX/2022, the MINI XXXX XXXX XXXX submitted the fully paid-off amount to MINI Financial. On XX/XX/2022, MINI Financial reported receiving funds for the payoff. I do not know why there was a gap between the receipt of funds between Mini Financial and Mini of XXXX XXXX. On XX/XX/2022, Credit Agencies received a Balance Past Due notice from BMW Financial Services ( aka Mini Financial Services ). Also on XX/XX/2022, Credit Agencies received a Paid in Full notice from BMW Financial Services.

The issue is that my and my wife 's excellent credit scores were improperly impacted by Mini Financial Services for an issue that is internal to the Mini organization. 

Upon written notice of my complaint, Mini Financial did not respond within 30 days of the notice. They also claim that per the lease agreement, it is our responsibility to ensure that the Dealership actually transfers the funds we paid to them to Mini Financial.

This is a ridiculous business practice as there was no notice or warning given that we were late in our payment according to Mini Financial to even indicate that the payoff had not been received. In fact, if Mini Financial Services allows Dealerships to create leases and payoff leases at the Dealership, they should also take the responsibility for the funds paid to the Dealership to be transferred to Mini Financial. This is an issue between the Financial Institution and the Dealership as their agent and NOT with my wife and me as the consumer who is being impacted by their poor business processes. 

Mini Financial has responded to our complaint that their findings stand and they have reported their findings to the Credit Reporting agencies making it even more difficult to remove the credit impact, which again is unfair as this is their business process mistake to fix, not double down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caller is identified by 'XXXX. XXXX ' as XXXX XXXX. They have been calling me for months, several times a day. Never leave a message, when I answer, they hang up. Have no idea why they call me since I have no debts and haven't for over 10 years. Apparently, according to XXXX . XXXX complaints submitted, they do this to numerous other people who also have no idea why they are targeted. They always call from a different number, usually from XXXX florida, but not always. Calls are really a nuisance. Please help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: Millco Management
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report this year to see there was an open claim from a debt collector XXXX XXXX on XX/XX/2015 for {$600.00}. I do not recall being at XXXX XXXX for treatment, nor did I receive notice of this outstanding debt.

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Experian Information Solutions Inc.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My home was broken into of XX/XX/2002 later I obtained my credit reports would had numerous identity theft accounts on there.I reached out to the credit bureaus to update with a police report to have these removed they would not.I paid some of the debt myself to remove it from my credit bureau I have been going round and round with XXXX XXXX XXXX  it is a credit card. Balanced owed is XXXX. I have fax them a copy of my police report showing identity theft a copy of a FTC report showing I was at identity theft victim have not heard anything. I would like this removed from my credit bureaus all three ASAP thank you very much

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 2019-10-30
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( LVNV Funding LLC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name XXXX XXXX XXXX : house of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  Balance : {$64000.00} ; XXXX XXXX XXXX Balance : {$380000.00}.

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 explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: NJ
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 have ask that my credit profile be updated with the removal of the XXXX XXXX  account for the following reasons. 
1. the account is no longer an active account and has been closed since 2018

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 2020-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
I have been harassed by this company for a while concerning a debt that I am not liable for. I have not signed a contract or given them the permission to obtain my place of residence or my contact information in which they continue to frequently harass me. They called repeatedly at inconvenient times in which I have told them numerous times to stop.To my understating as a consumer they have broken the consumer laws found in 15 USC 1692.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: PA
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:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX. I never received written notice of the debt claimed against me nor my wife prior to the landlord reported it to the collection agency. 
XXXX. Never received notice of the debt claimed against me nor my wife by the collections agency prior to them reporting it to XXXX ; XXXX. The debt amount claimed is false, and fully in dispute because they are based on alleged contract damages, which are not available to the landlord. 
XXXX. The landlord failed to properly itemize and account for my security deposit, and as a matter of law XXXX XXXX. XXXX. code XXXX XXXX the landlord is now prohibited/barred from bringing suit or claiming any damages against me. 
XXXX. The Landlord actually owes me {$150.00}, instead of I owing them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
On XXXX, I wrote to TransUnion requesting an investigation into items that I believed were inaccurate. 

Now as date of XXXX, TransUnion failed to provide any investigation result

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 2023-03-30
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 belongs to someone else

Complaint:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$110.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$64.00} ; XXXX ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$8600.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Consumer Portfolio Svc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Illinois this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Illinois. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Illinois Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name XXXX XXXX : house of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house oXXXX XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Wakefield & Associates ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: GA
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 just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 




1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Monthly payment {$100.00} OpenedXX/XX/2019 ( 11 mos ) 2019 Last payment XX/XX/2019 Current Payment Status 120-149 Days Late Amount past due {$520.00} Worst Payment Status 120-149 Days Late I have contacted the creditor multiple times and tried to explain my financial situation in regaurds the missed and late payments. Time and time again i've gotten no sympathy and negative remarks have been left on my consumer report.

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