BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-05
Company: American Credit Acceptance, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have had this loan with American Credit Acceptance for over 2 yrs with this company and these people should not be in business AT ALL. Everytime I call I get treated like They are doing me favors just by answering the call they are EXTREMELY RUDE AND NASTY from hello. I set up autopay to avoid having to deal with them and most recently I had my payment scheduled for XXXX and their online auto payment system failed to take the payment from my card and So I went back online on XXXX and scheduled payment for XXXX and their system once AGAIN failed to process my payment knowing that there were funds available in the account I called in first thing on XXXX and first spoke with a rep who got me with a manager named XXXX, she transferred me to XXXX and she transferred me to a XXXX XXXX who claimed she was the highest member of management and every single one of these people REFUSED to help me or even take a look at my account to confirm exactly what I was saying these people are con artists and do nothing in the best interest of the customer. I finally spoke with a XXXX who claimed he was a department manager and he would take care of the late fee as a " courtesy '' I advised him theres no courtesy that hes doing, his company billed me incorrectly and thats the bottom line and once I threatened to file a complaint with the CFPB and make them aware of the ongoing issues with this company then things changed on the call. It should n't have to come to this point to get a respectful response from these people who I have to pay each month. I am fed up with American Credit Acceptance and they should be out of business with these business practices immediately if not sooner. I will not cease until something is done about this and this company is investigated because I KNOW other consumers who deal with these clowns have had similar if not worse interactions with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called this compa

ny Bmw financial services llc to Lower my monthly payment and renegotiate the payment plan, but its all show and no play. i told the agent that I am facing hardship due to coronavirus and all they did is send me this deferment plan of two months charging me a finance charge of {$130.00} over the age of the loan. this is a greedy and a third class company who has written on their website that they are going to help its customers but in realty doing nothing and just providing fake public empathy. I received two emails from BMW showing their fake empathy towards me that they are with the people in this testing time of Corona virus and epidemic but it is all false, they are just greedy about making money
and all their statements are false. So please don't get carried away by their spineless snarky statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
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:
I cant understand how this is happening to me. I have a fraud Alert on my credit files, how is it possible that these company that i did not give consent to, is able to open accounts using my personal Information. theses Account are fraud i did not authorize anyone or any company to  open these accounts i want them removed from my credit files Thank you.

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 2015-03-28
Company: McCullough Payne & Haan, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
In XXXX XXXX, I pulled a copy of my XXXX, XXXX, and XXXX credit reports and noticed that there was a judgment listed in the amount of {$1700.00} ( Case # XXXX ) that was filed in XXXX County, Georgia. I disputed the debt, and it came back verified. I contacted the XXXX County court via certified mail and asked for the judgment to be set aside per I unaware any court date regarding this matter that the XXXX states that I did not show for, nor was I aware that a XXXX judgment had been granted against me. Furthermore, I was not provided with the debt verification that I requested, which the XXXX acknowledges as receiving in the attached documents. This judgment shows on my credit reports as being granted in XXXX, of which time I was a resident of XXXX County, not XXXX County. The plaintiff responded to my XXXX to set aside and asked that my request be denied. On Wednesday, XXXX XXXX, XXXX, I received a " XXXX '' in the mail from XXXX, claiming an amount of {$2400.00}, plus the XXXX cost of {$51.00}. I have not heard from this company regarding this alleged debt until I contact the XXXX County Court asking for them to set aside the judgment after I noticed it on my credit reports. Also, I have not received the debt verification that I initially requested showing that this alleged debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Selene Finance LP
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Selene Financial bought my home loan and are now the servicer for the loan. They have promised me a loan modification without any resolution. They have send a anonymous person posing as a real estate agent taking pictures of my property and providing me no proof of anything or paperwork. The so called agent or spy as I would want to call them took pictures inside my house and of not just the property but also of our personal pictures on the wall. They do n't tell you why they are there just to evaluate the property and Selene does not even give you a notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following accounts listed on my XXXX, XXXX  and Trans Union credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, XXXX Credit Card from XXXX  XXXX  XXXX, XXXX XXXX XXXX from the XXXX  XXXX XXXX, XXXX XXXX  from the XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and 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 2022-09-09
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$790.00} XXXXBalance : {$630.00} XXXXXXXX XXXX XXXX XXXXBalance : {$630.00} XXXX XXXX XXXXBalance : {$780.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$790.00} XXXXXXXXBalance : {$630.00} XXXX XXXX XXXX XXXXBalance XXXX {$630.00} XXXX XXXX XXXXBalance : {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: GABA LAW CORPORATION
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call this morning from an attorney 's office in regards to a debt they said they have made multiple attempts to contact me and I 've left several voicemails but I have not received any of those today was actually the first voicemail I received from them. Upon speaking to this individual identified myself my name but did not give any other information aside from my phone number and he did not attempt to verify that I was who I said I was and continued to give me information in regards to the debt. he said that he will be advising the party that sucker out their attorneys office if I do n't make attempt to payment. I felt very pressured to try and do something give you simply said that some is going to file a lawsuit against me if I do n't do something right at this very moment. Now this long offices out of state so I 'm not sure what their procedures are what the laws are in regards to being out of the council but I feel very harassed

Company response to consumer: Closed
Consumer complaint received 2020-04-01
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV KEEPS ATTEMPTING TO COLLECT A DEBT NOT OWED THIS DEBT BEGIN ALL THE WAY BACK IN XXXX AND LVNV IS STILL ATTEMPTING TO COLLECT THE DEBT BY WRITING ME AND PLACING THE DEBT ON MY CREDIT REPORT THAT STATUE OF LIMITATIONS IN MY STATE IS 3 YEARS, THIS DEBT COLLECTOR ALSO CLAIMS THAT MY DATE OF LAST ACTIVITY WAS XXXX XXXX DOLA IS BASED OFF WHEN THE ACCOUNT IS SOMEHOW CHANGED OR MOVED OR SOME ACTIVITY HAS TAKEN PLACE- BUT MOVEMENT HASN'T HAPPENED ON THIS ACCOUNT SINCE XXXX - FURTHERMORE WHY IS THE DATE OF LAST ACTIVITY ( DOLA ) DATED XXXX XXXX?? - DID LVNV PURCHASE THE ACCOUNT ON THIS DATE? 

-AND IF SO DID IT KNOW IT WAS PURCHASING A DEBT PAST STATUE OF LIMITATIONS? 

- WAS THE DEBT COLLECTOR NOT NOTIFIED BY THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) THAT THE DEBT WAS PAST STATUE OF LIMITATIONS??? 

- IF NOT DID THAT MEAN THE ORIGINAL CREDITOR SOLD THE DEBT COLLECTOR THIS INVALID DEBT ON PURPOSE??? 

-THIS ACCOUNT DOES NOT HAVE THE SAME DATE OF LAST ACTIVITY ACROSS ALL 3 BUREAUS THE DATES AREN'T EVEN IN THE SAME YEAR ***DATE OF LAST ACTIVITY ON XXXX  IS NOT ACCURATE HOW CAN THE DATE OF LAST ACTIVITY BE XX/XX/XXXX WHEN THE COLLECTION ACCOUNT WAS OPENED ON XX/XX/XXXX THIS IS NOT MAKING SENSE*** -DOES NOT NOT SHARE THE SAME DATES OF LATE ACTIVITY AS XXXX XXXX - WHICH ALSO HAS THE DATES OF LAST ACTIVITY IN 3 DIFFERENT DATES ( NON- COMPLAINT ) HOW IS THIS ACCOUNT ACCURATE COMPLAINT OR ETHICAL, THIS ACCOUNT OBVIOUSLY VIOLATES METRO 2 COMPLIANCE STANDARD WHICH IS A STANDARD HELD BY EVERY DATA FURNISHER AND A STANDARD THAT MUST BE COMPLIED WITH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sent money through Venmo. I can not access this money. Venmo blocked me out. Venmo stole the money. Venmo 's system is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My alleged loan is currently serviced by Carrington Mortgage Services ( CMS ). My alleged loan is originated with XXXX, XXXX XXXX XXXX and riddled with fraud and contains forgeries, etc. I previously had XXXX XXXX XXXX who posted many of my mortgage payments to foreclosure fees instead of to my payment account. Money was embezzled from our escrow and payment account and we have complained with XXXX XXXX XXXX and now with Carrington about the inaccurate fraudulent debt to no avail. They continue trying to collect an amount that is not correct. They also continue to report it on my credit even after numerous disputes. Recently, I requested from Carrington proof of claim under U.C.C. Code Article 3 -3-501 ( b ) 2 ( 1 ) to visually inspect the alleged wet ink Note. Carrington response was that they decline because the Note is secured and not available for release until debt is consolidated. They also continue to state that they will no longer respond to my requests and that my loan is in foreclosure even though there is not yet a foreclosure date ( I live in Florida, a judicial state ). They assert that they are the holder/investor/owner/servicer and in other letters they have alleged that they are also the trustee. Nonetheless, there are numerous contradictions in all responses I have received. This foreclosure mill/debt collector ( Carrington ) is threatening with foreclosure and expect that they will continue this fraud without showing us proof that they are truly the holder in due course or that the " original '' wet ink Note actually exists. All they have sent us is a copy of the alleged Note and a Possession Certificate under Florida Statutes by XXXX XXXX XXXX, not from them. I can also confirm that the copy of the alleged original endorsed Note is indeed fraudulent but I will not give details now because I will save it for trial. This alleged loan was " criminally '' created and serviced from the inception. My family and I have been suffering monetary, physical and emotional damages for years. This specific complaint is about Carrington Mortgage Services who has been servicing this alleged loan since XXXX 2014 because they have failed to comply with our debt disputes, QWR 's and now with our request to visually inspect the Note which we have a legal right to do so. I have all documentation to substantiate my claims against CMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Ok I am contacting you because of Portfolio Recovery Associates. There are XXXX accounts with Portfolio Recovery Associates , LLC. When I noticed these accounts on my reports via XXXX. I went directly to pull my reports and I disputed the accounts with the credit report agenices and they all came back verified, I then realized Portfolio recovery did not validate before reporting to the credit bureaus, a collection agency is not allowed to continue collection activity if a consumer disputes the account within XXXX days, but they never made me aware of these accounts prior to showing up on my reports. I never heard of this company into they appeared on my reports.This violation falls under 15 USC 1692g 809b.Also they have failed to mark my XXXX credit report as disputed. This violation falls under 15 USC 1692e 807 ( 8 ). I then contacted them threw the XXXX and got the same responses back, but this time XXXX accounts were removed from my reports, but funny thing is they verified these with he credit bureau a month prior and said the accounts are reporting accurate even though they were n't .It also came to my attention a collection agency is not allowed to report a collection account as " OPEN '' And should be under negative collection accounts " NOT '' Under Accounts " other accounts '' showing as if im past due with late payments. This reporting is wrong and should have been change when they supposedly verified with the credit report agency 's XXXX dispute, but is still not changed. I am going to attach proof the accounts are showing as open and under the accounts tab. Portfolio has also updated the date they XXXX reported the accounts which was XXXX months prior and now it says XXXX reported XX/XX/2015 when it should state it was disputed and updated XX/XX/2015. Now all of a sudden they are updating their end to fit there needs so they do n't get caught up in there lie that they did n't notify me directly of the account accounts are 1.XXXX2.XXXX3.XXXX 
4.XXXX5.XXXX6.XXXX I will attach all information if possible. I have the prior snapshots and current snapshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NATIONAL CREDIT ADJUSTMENT KEEPS TRYING TO COLLECT ON DEBT THAT IS PAST MY STATES STATUE OF LIMITATIONS ALSO THE WAY THEY REPORT MY FILE IS INACCURATE THEY SHOW MY BALANCE ON THIS ACCOUNT IS {$820.00} THEN SHOW I AM PAST DUE {$820.00} THAT MAKES MY CREDIT TO DEBT RATION REPORT INACCURATE AND ALSO ON XXXX  THE ACCOUNTS DATE OF LAST ACTIVITY SAYS XX/XX/2015 HOW CAN THAT BE IF THEY PURCHASED THIS ACCOUNT IN XX/XX/2015 HOW CAN THEY REPORT A DATE OF LAST ACTIVITY THAT EXIST BEFORE THEY PURCAHSE THE ACCOUNT? / PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This is regarding the complain that was filed in  XXXX . Complaint #  XXXX . All concerns was addressed  EXCEPT the Dept of Education com plaint. Account #  XXXX  which are  XXXX  accounts. Both showing delinquent with a balance. This account has been paid and never delinquent. The information was sent to Equifax in  XXXX . They never responded to this particular issue. A letter was sent to Equifax b y US Dept of Education a nd I sent the same letter. Also, a updated letter was sent to Equifax, stating this account was paid in full and never late in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted my mortgage company and asked to be placed in on some type repayment plan. however I was turned down XXXX. I have been asking for assistance since XX/XX/XXXX when the loan was not as delinquent as it is now!! I spoke with a representative in the later part of XX/XX/XXXX in efforts to still save my home before falling victim to a last resort of filing Chapter XXXX order of protection. I am now being told I qualify for a repayment plan within the loss mitigation department ... REALLY!!!!!???? WHERE WAS THIS PALN WHEN WAS ASKING FOR ASSITANCE IN XX/XX/XXXX WHEN THE DELINQUENT AMOUNT WASNT SO HIGH. The reps only answer is she does n't know and this is a plan we offer within our collections department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I HAVE HAD NUMEROUS CALLS FROM PORTFOLIO RECOVERY ON A DEBT THAT I AM NOT SURE I OWE. WHEN ASKED MULTIPLE TIMES TO SEND ME IN WRITING THE ORIGINAL FACTS THEY REFUSE AND THREATEN ME WITH JAIL. THEY HAVE CURSED AT ME AND SAID I HAVE COURT DATES AND SUBPEONAS THAT IVE NEVER SEEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
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   XXXX ,    2017, I se nt a certified lette r to USAA Savings Bank r equesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while infor ming USAA that the  debt has been disputed. Note : This certified letter was signed for by USAA on  XXXX   XXXX ,  2017.    On  XXXX   XXXX ,    2017, I p ulled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX ,    2017, I  sent another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   I then pulled my credit report again on  XXXX   XXXX ,  2017 afte r they signed for the certified letter on  XXXX   XXXX ,    2017 a nd the information has yet to be updated to claim I have disputed this debt, nor have they informed me of what collection company this debt now resides.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX XXXX  show status as past due 120 plus days. This mortgage was in process of loan modification and never exceeded 60 past due.

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