BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: National Credit Adjusters, LLC
State: FL
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:
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the Branch of Armed Forces. I entered active duty on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, 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 Inquiries have been put on my credit reports, and are not In Accordance With the Fair Credit Reporting Act. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Incorrect Telephone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX. Incorrect Names : XXXX XXXX, XXXX XXXX, XXXX XXXX. Incorrect Employment : XXXX I have no knowledge of these inquiries. Incorrect Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE, EQUIFAX MORTGAGE SERVICE. 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 a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: BMW Financial Services NA, LLC
State: IL
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:
OnXX/XX/XXXX BMW Financial Services dba XXXX XXXX XXXX loaned me {$43000.00}. This amount was to purchase a brand new XXXX XXXX XXXX XXXX LT price : {$35000.00}, plus {$7000.00} for the car that I traded in that i still owed another lender, for a total of roughly a {$43000.00} loan.
Shortly after recieving the car I recieved notice that my licence would be suspended if i did not pay off over {$20000.00} in city of XXXX parking tickets in full. I had no choice but to file bankruptcy.
The car was brand new and could not be included in the bk. So the automatic stay was lifted and i continued to pay for the vehical outside the bk.
Against court order BMW financial proceeded to collect payments inside and outside the bk, even after recieving calls and notices from me to correct this information and filing motions in court, BMW Financial continued recieving payments from myself and the bk trustee simultaneously resulting in an overpayment due to me. I recieved the overpayment check however the damage is done. BMW financial not only repossesed my vehical onXX/XX/XXXX when i was not in default, and after years of regularly accepting late lump sum payments, they have also reported to the 3 major credit reporting bureaus that i owe a sum of {$69000.00}, for the XXXX XXXX XXXX XXXX. The the vehical was only {$35000.00}, this malicious act resulted in a dramatic decrease in my credit score, lossed wages, job oppurtunities, a home loan, and educational loans for my child who is going away to college. BMW financial has since changed the information to a lower incorrect amount, however my credit score dropped XXXX points as a result.
I have asked for validation of the prior repossession and current debt in writing but my requests are being ignored. Again I would like to request the validation of the debt at the time of repossession on XX/XX/XXXX and validation of the current debt that is being reported to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Paypal Holdings, Inc
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pay Pal sent email invoice for {$600.00}. I do not have Paypal XXXX # XXXX. 
Invoice Date : XX/XX/2022. 
Due Date : XX/XX/2022 Their support # XXXX. 
No Account # for me. 
No info as to what I was to have purcha : XXXX. 

Sender 's email address : " I '' in a circle. Invoice XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Capio Partners, LLC
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: Account information incorrect

Complaint:
I have never had an account with Capio XXXX. They sent XXXX statements identifying themself as a debt collector for XXXX XXXX ; XXXX for {$990.00} and XXXX for {$640.00}. I have never had an account with XXXX XXXX. On XX/XX/XXXX I authorized my father to contact Capio XXXX. He contacted them on XX/XX/XXXX and spoke with XXXX # XXXX. We were promised a return phone call with information by XXXX est on Monday XX/XX/XXXX. My father did not receive a return phone call and further attempts to contact XXXX were futile. Derogatory reports appeared on XX/XX/XXXX and XX/XX/XXXX from Capio XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX VA made a contract with a veteran for a loan. The loan is made in VA 's and veteran 's names. According to the contract, Special Warranty Deed is to be issued upon full repayment of the loan in veteran 's name only. The loan was paid off in XX/XX/XXXX but the last servicer of the loan Carrington Mortgage Services has been unable to produce Special Warranty Deed because Property Transfer Tax is required by the county to record a deed. Property Transfer Tax was never filed when VA transfered the deed to XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. XXXX XXXX XXXX was the servicer of the loan before Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND FUNDING, for committing identity theft. I have never given MIDLAND FUNDING, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with MIDLAND FUNDING and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving MIDLAND FUNDING any right to collect on this alleged debt. 
I have never received any documentation requesting validation from MIDLAND FUNDING, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If MIDLAND FUNDING, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MIDLAND FUNDING, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND FUNDING, continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND FUNDING, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: FL
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 Complaint ID # XXXX dated on XX/XX/2022 Equifax stated WE VERIFIED THAT THIS ITEM BELONGS TO YOU. However, dated on XX/XX/2022, I, XXXX XXXX, Consumer, am aware that Equifax Information Services LLC is in noncompliance of 15 U.S. Code 1681e ( b ) United States Code. 
Pursuant to 15 U.S. Code 1681e ( b ) I, XXXX XXXX, Consumer, am demanding ( Equifax ) to prove with documentary evidence that ( Equifax ) has followed the reasonable procedures to assure maximum possible accuracy according to Federal Law 15 U.S. Code 1681e ( b ) for each account ( s ) mentioned in CFPB complaint ID # XXXX. Respectfully, XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, 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:
I reached out to the credit reporting agency I havent been applying for any credit I have over 40 inquiries I have called the companies and they have done nothing about it XXXX XXXX XXXX three times XXXX XXXX XXXXXXXX XXXX once they pulled twice XXXX XXXX XXXX XXXX XXXX XXXX bank XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct Its so many I have not authorized any of these companies to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the covid pandemic, I was told by my mortgage company ( Flagstar bank ) that I would be getting a forbearance on my loan, which I did not request. When it came time to start payments, I spoke to a representative at the bank who told me that the payments missed would be added to the end of my loan, without interest. As I have been trying to refinance my loan, I am now being told that I owe almost {$30000.00} for " missed '' payments. So while I paid {$220000.00} for my home in 2017, they are now telling me I owe {$230000.00}. How can I owe more than I paid for the home??? I called, emailed and asked numerous times for some to explain this to me and they keep saying they will reach back out. Another company, XXXX XXXX is now servicing my loan, so I am assuming they paid off the $ XXXX but again, how could I owe more than I paid for the home after making payments for 7 years?

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, 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:
I reached out to the credit reporting agency I havent been applying for any credit I have over 40 inquiries I have called the companies and they have done nothing about it XXXX XXXX XXXX three times XXXX XXXX XXXXXXXX XXXX once they pulled twice XXXX XXXX XXXX XXXX XXXX XXXX bank XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct Its so many I have not authorized any of these companies to pull my credit

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 2022-10-24
Company: EQUIFAX, INC.
State: GA
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 failed to verify the Charge Off / Closed account and the total amount balance due is owed by me to XXXX XXXX for a permissible purpose application for credit pursuant to The Fair Credit Reporting Act XXXX. Disclosures to consumers [ XXXX U.S.C. XXXX ], Section XXXX ( a ) ( XXXX ) ( A ), and FCRA XXXX ( XXXX U.S.C. XXXX ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

I did not sign any such credit contract with XXXX XXXX  containing my full social security number and signature where I granted permissible purpose for a credit application. 

It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: DISCOVER BANK
State: NC
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 am a natural living man. I am a human being. I have rights under 15 U.S.C. 1681 XXXX and DISCOVER is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

XXXX and DISCOVER FINANCIAL has erroneously since 2019 reported negative and false information to my credit report. 

These entities are reporting a charge-off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give DISCOVER nor XXXX written permission to furnish this account. 

Account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Experian Information Solutions Inc.
State: IL
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:
On XXXX/XXXX/13 i purchased a brandvnew XXXX XXXX XXXX XXXX XXXX. The car was roughly {$35000.00}, and i also had a trade in that i still owed {$7000.00} on, so that amount was added into the loan because the creditor paid it off after i traded it in. The grand total was XXXX including the nee car and the amoint owed on the old vehical. Eithin a week of purchasing the vehical i got a notice in the mail stating that my licence would be suspended if i did not pay off {$35000.00} in parking tickets. I had no other choice but to file bankruptcy, however the bk judge ordered the car be paid outside the bk. I paid for the vehical for 3 years outside the bk. However the creditor filed a claim and was ( mistakingly ) getting payments inside and oitside the bankruptcy against judges order resulting in an overpayment due to me. They ( XXXX XXXX XXXX ) sent me an overpsyment check in the amount of {$2000.00}. However three months prior ti sending the vheck they reposessed my car stating that i owed {$1300.00}, at the time of repossession, which was innacurate, as evidenced by the overpayment check i recieved. Also, as explained above the creditor recieved payments inside and outside the bk in the amount of about {$30000.00}, regardless of this fact the crefitor maliciously reported to my credit that i owed a sum of almost {$70000.00}. My credit svore was XXXX before this however as a result my credit score has dropped to XXXX, even though i have disputed in writing and the creditor has lowered the amount it said i previously owed my crefit remains damaged and i do n't have a vehical as a result. The creditor refuses to give me validation of the debt they say i owe. Which i have requested in writing over 30 days ago.

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 2022-10-24
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i was involve with in one credit acceptance law suit where Thousands of Massachusetts consumers, many of them first-time car buyers, put their faith in XXXX  to help them with an auto loan, but were instead lured into high-cost loans, fell deeper in debt, and even lost their vehicles, which the state of Massachusetts won and my debt was supposed to be resolved but time i talk to the supervisor is busy and should call again some time.

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 2022-10-24
Company: EQUIFAX, INC.
State: TX
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, this company has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructionsXXXX XXXX XXXX ( a ) ( XXXX ) ( a ) and XXXX XXXX XXXX ( a ) ( XXXX ) States that willful and negligent noncompliance by any person is liable to the amount equal to the sum of the actual damages. I had previously notified the company of these violations via notarized affidavits sent certified XXXX XXXX  mail XX/XX/2022, XX/XX/2022 and XX/XX/2022. This company has continued to infringe upon my right to privacy and violate me willfully and negligently. I have sent them an invoice of ( {$61000.00} ) the actual damages of their failure to remain lawful. I have given instructions of how I can be compensated. I just want justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As part of a loan modification with SN Servicing, I was required to make 2 " good faith '' payments followed by 3 trial payments. My issue arose when I saw that the due dates between the last good faith payment and the first trial payment were only one day apart effectively requiring 2 payments at once. I made all 5 payments required for the modification to take effect but due to the due dates being so close together, the first trial payment was made after the grace period before a late fee would be assessed. I continued to make all monthly payments within 30 days of each payment but because that first payment was late, SN considered me a month behind and charged me late fees each month until I was finally able to get " caught up '' by their definition and make 2 payments in one month about 7 months later. This resulted in late fees on my account totaling {$580.00}. I have since explained my position to SN multiple times via emails and have requested the late fees on my account be waived. After multiple attempts and even advising them I would file a complaint, I still have not received any response to my inquiry other than one email stating a new account manager is handling my account. I contacted this individual as well and still am not getting any replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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 ask EXPERIAN to investigate accounts on my credit report that where inaccurate. when the investigate was completed i find that there investigation was one sided and went against the FCRA when they didn't get my side or anybody that was at the transaction. Which is a violations of federal LAWS. i send in a affidavit address these concerns to all the violations i found on 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 2022-09-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a cousin who thinks they are entitled to my XXXX accounts. XXXX XXXX XXXX has stole over XXXX XXXX XXXX from my accounts. Stolen my relocation money from XXXX and is now trying to take over all my federal accounts. I need assistance in this asap. My number is XXXX. XXXX Accounts with Wells Fargo under 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 explanation