BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Received a loan I didn't apply for

Complaint:
I have had some difficulty financially since XX/XX/XXXX I have XXXX children and sometimes it was hard to make ends meet so I took out a Title loan from 1800 Loan Mart /Wheels Financial Group based out in XXXX calif I must have rolled over about XXXX loans in the past years i had received a loan back in XXXX XXXX for {$500.00} so that was rolling over a previous loan so that was back in XXXX XXXX then in XXXX XXXX I took out another {$500.00} that made another rollover loan # XXXX now after this last loan I never took out anymore on or about XXXX XXXX I received this phone call from 1800 Loan mart and said do n't make your payment for XXXX XXXX just make it in XXXX XXXX now this is still on the loan number XXXX and now they said your loan number is going to change when you make that new payment in Jnuary use XXXX that 's the new loan number so I 'm paying now ive come to the end of XXXX payment after 48 months never getting anymore loans I thought wow I did it but no 1800 loanmart said wait XXXX XXXX you signed for a third loan that loan number is XXXX but I told them you called me in XX/XX/XXXX and said the loan number changed from XXXX to XXXX they said no this is a third loan for XX/XX/XXXX no way I said I did not sign for this I have been trying to get to the bottom of this they sent me copies of a contract that to my knowledge has been altered to make it look like I signed it so I believe 1800Lloan Mart did an illegal roll over loan on me they wont let me fly up and look at the original keep giving me different stories they know what they did I can have anyone subena my telephone records for XX/XX/XXXX they called I 'm absoulutely XXXX they did and said that loan number changed I have had a great relationship with these people and help me out a lot but that does not give them the right to do an illegal loan roll over when that loan is matured for XXXX I 'm in a better place in my life and these people took advantage of me and thought I would not notice because I had rolled loans over but they made a bad choice I have given them several chances to come clean they want to stick to their story but phone records do n't lie original copies of contracts do n't lie but defrauding customers plus a loyal customer is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XXXX of 2015 I opened a credit card account with USAA because my Dad is a XXXX XXXX and I thought it would be a could company. My credit is good but a few bumbs but good enough to get loans. I was approved a {$4000.00} limit. A month or so later I opened another card with them that had a better interest rate it was also {$4000.00} limit. Both cards we almost maxed out but I had had many purchases being bought and returned. So it was always changing. I have worked very hard to keep my credit good and keep it get getting better. I made XXXX payment with them and then after I applied for an auto loan with them and was approved. Bought the car and was told that they suspected fraud and declined my loan after already giving me a blank check. XXXX. Who does that. I was approved through the dealer instead with no problem. I called USAA and they said all my cards were closed but would not tell me why. I said permanently? They said yes. They said it was because they were new and that they were almost maxed. I said isnt that the point ti use them? I have not been late with a credit card for over XXXX years. My problem is that they should not approve credit and expect you not to use it. They should not close your cards with out telling you why. They should not be able to affect your credit report when you have never been late or abused any cards in the past XXXX years. I have work very very hard improving my credit. This is not fair when I have not done anything wrong. They can keep their cards I could care less. I am paying them off asap. But I dont think they should XXXX my report with a status of closed when I did nothing to break the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: The CMI Group, Inc.
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 IS NOT A DUPLICATE**** This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit  reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: FL
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:
Equifax has accounts on my credit report that are not mine/inaccurate/false/fraud. 
XXXX-collections account was removed/deleted from XXXX on XX/XX/2019. 
XXXX-collections  account was removed/deleted from XXXX  on XX/XX/2019 XXXX-collections account was removed/deleted from my transunion credit report on XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a loan of {$400.00} from Advance America. I am a XXXX person and had a hardship and could not pay the loan myself. I had XXXX pay the loan. On XX/XX/2016 a Settlement Agreement was reached with Advance America / XXXX for {$250.00}. Yet I continue to be contacted by XXXX of XXXX claiming that I owe over {$300.00}. I have stated to XXXX that this debt has been paid in full. I have offered to present her with the documentation but she refuse to accept any documentation. She asked for an account number, I obtained the documents and account number but she again refused because she said the amount was inaccurate. I have requested that she send me some validation of debt but she refuses and instead threatens to take to court for the amount, which I do not owe, and have me pay court costs also.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has accounts on my credit report that are not mine/inaccurate/false/fraud. XXXX-collections account was removed/deleted from XXXX  on XX/XX/2019. XXXX-collections account was removed/deleted from XXXX on XX/XX/2019 XXXX-collections account was removed/deleted from my XXXX  credit report on XX/XX/2019

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 2021-12-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CFPB response indicates that the response will outline the steps taken to resolve, and/or address my complaint. The attached response along with my initial detailed complaint is unsatisfactory and doesn't provide any details regarding what steps were taken to resolve only that I would receive something in the mail. Please provide details in agreement with the disclosure on the CFPB site. See attached. Completely unsatisfactory. Please provide details and when I can expect to receive payment based on violations to prevent further escalation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Exercised Right of Rescission on XXXX. No documentation or response received from Bank of America as of XX/XX/2021 regarding rescission or refunding of any and all costs associated with this refinance closing. Refer to complaint number 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 monetary relief
Consumer complaint received 2020-06-15
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection appeared on my credit report recently for a debt I do not owe. After further rear garage it was Determined that the alleged amount was for a emergency room visit from 6 years ago ( from a hospital and original collector who no longer exist ) when my daughter had 100 % paid state XXXX and never pays for any medical expenses out of pocket. I attempted to explain this to a representative who was not only rude but would not assist me in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an medical collections appearing on my XXXX credit file called Advanced Collection BU. I have reached out to both XXXX and the collections company asking for them to provide proof that this account is mine. The medical collections company has not responded at all and the credit bureau, XXXX, only advises me that the debt has been validated but does not provide me with any documentation to support the account. I am submitting this complaint in the hopes that I can get some kind of response from both the collection company and the credit bureau, XXXX, provide me with documentation to support this account or have this collection account removed from my XXXX  credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: TX
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:
Experian have been reporting inaccurate information about several of my accounts. i have written multiple letters for them respond and correct these items that are hurting my credit score greatly and affecting my family is ways they do not understand nor care about. Below I will list the items they have been misreporting for over two years now and I have almost given up. Please Help.XXXX XXXX**** How is it possible that the account was transferred 2 years ago but “Date Last active” was XX/XX/XXXX? It can’t be both. XXXX  says 120 days late and Experian says 180 days. It cannot be both. XXXX  are also reporting 120 days late (9 times)..XXXX  shows late 120 days 1 time. It cannot be both. REMOVE and DELETEXXXX XXXX****XXXX  are reporting that this account is a “Charge Off” and that there is a “Balance” and “Past due” amount of $XXXX? It cannot be both. XXXX  are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collections account ever. XXXX  is showing “date last active” is XX/XX/XXXX and  “date of last payment” was XX/XX/XXXX.That doesn't match the other credit bureaus.This account is being RE-AGED also and is illegal. Remove and Delete immediately.XXXX XXXX****AGAIN, with this account you are reporting that this account is a “Charge Off” and a “Past due” amount of $XXXX? It cannot be both!  You are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collection account ever. XXXX  is showing “date last active” is XX/XX/XXXX and  “date of last payment” wasXX/XX/XXXX. The other bureaus report different. This account is being RE-AGED to show it was late active and last payment was this year also and is illegal. Remove and Delete immediately.

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 2021-12-13
Company: PRESTIGE FINANCIAL SERVICES INC
State: MS
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:
Unauthorized inquiries own my report requested own XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been given the run around since I started repaying my loans. I have trouble affording them at all, but I pay just over what I have to in order to pay towards the principle balance. When I called the loan company last time, they told me that the total amount of loans I owe has actually gone up. Which either means they pulled something funny, or they increased my interested without notifying me. They also told me that I could lower my payments by doing an income based plan, but when I applied, it actually tripled my payments. They had entered all of my information inaccurately when they initially gave me the information. Also - when I first had to start paying my loans back when I got out of school, they never notified me that they were due. I was months late, which I could only imagine what that did to my credit and gave me in penalty fees. I could go on and on regarding the issues I have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
CAPITAL ONE BANK USAACCOUNT NUMBERs : XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXPHONE : XXXX FAX NUMBER : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CAPITAL ONE BANK USA or any company associate with this account # XXXX, **************** and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SS # XXXX DOB XXXX XXXXADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX  ACCOUNTS HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

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