BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-01
Company: The Leviton Law Firm, Ltd.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I was approached via phone and email by a collection agency posing as a law firm in the collection of a debt from my business. They offered little detail about the identity of the debtor and used words that indicated they were representing a law firm. 

In an email they sent to my personal email address, the subject matter was " XXXX CASE # XXXX '' The collection firm represents themselves as The Leviton Law Firm and is using a false representation by implying they are communicating with me as an attorney. Their tactics are aggressive and not consistent with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX with National Credit Adjusters has called my work harrassing my employer and asking improper questions about me. I am a XXXX and absolutely can not get ANY personal calls at work. We do not have a designated work phone. I have never given NCA permission to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i XXXX I, had two credit cards with capital one which were both closed due to the neglicence of XXXX XXXX and there reversal of a balance transfer that happened in XXXX and was reversed on without mine or my father in laws consent and was XX/XX/XXXX in the amount of XXXX XXXX on my XXXXXXXX XXXX  that i relay on to run my business and get the proper equipment and saftey materials for my techniacians. with this said i kept capital one in the loop the whole time sending mutiple faxes of updates and a signed letter stating what they were doing to XXXX institutions with out any consent and they should not exknowledge their claim for money back as all it did was result in two instiutions stating i owe them money as capital one sent it back to XXXX and XXXX claimed they didnt get it which then finally received it and then when asked to send it back to capital one they did not and i still did my due diligence and kept capital one updated and told them that this was a bank error with supporting documentation and that i will get them there money back regardless if i had to sue XXXX  because XXXX  still tried to collect money they reciveied from capital one from me and capital one telling me i owe them. with all the documentation and issues with XXXX it is their sole responbility to fix this error pay them and capital one has no right to close the account as it was a bank error and they told me it was closed due to the B/T reversal which they thought i did and i supplied them with the documentation stating we did not and the letters stating that they withdrew the disputes done in error but they didnt and went back and worth stating it was it was withdrawn to no one is responible to we owe both them and capital one and it is unfair for capital one to close my credit line that had a XXXX dollar balance piror to this incident and i have never missed a payment even as i was going through identity theft loosing XXXX XXXX and to this day still fighting to recover my funds. what capital one did was ruin a huge factor in building my company and growing it larger and producing for money instead they ruined my credit and said i owed them money with intrest and a closed account on top of that which hurt so bad i had lost so much money in business and emoloyees unable to hire and my XXXX XXXX XXXX XXXX  is getting hard to provide for and this is ashame not on XXXX for closing my accout fully but on both parties for there actions when i did everything in my power on top of my due diligence to keep them updated and aware every day of the circustances with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received this letter from National Credit Adjusters informing that I owe them a debt. To my knowledge I have never entered into a contract agreement with them or the company they claim they represent. This company is violating XXXX statues of the FDCPA. statue 807 ( 9 ), ( 10 ) misrepresenting affiliation and deception and 812 ( 1962j ) furnishing deceptive forms. Within National Credit 's claim they state, '' NCA is not collecting for XXXX XXXX. '' and them also within the letter this debt collector states that they have been contracted by XXXX XXXX to collect the about referenced account. This statement is a violation of the FDCPA and the above statues mentioned as it was intended to confuse me but upon further research I have determined that both XXXX XXXX and NCA both occupy the same office. I do not owe either of these companies anything. I have never signed a contract with either of them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Kikoff Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
The information on my credit report dont match the actual reporting dates on the credit building app

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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:
Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX Balance Owed : {$6100.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: MO
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 Experian and XXXX to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$2100.00}

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 2015-04-27
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. IT DOES HOWEVER INVOLVE THE SAME COMPANY AS BEFORE. THIS IS ANOTHER ISSUE ALL TOGETHER. 
We purchased a vehicle from Drive Time on XXXX/XXXX/XXXX and the vehicle was financed for XXXX for XXXX payments and XXXX for XXXX payment due on XXXX/XXXX/XXXX off on XXXX/XXXX/XXXX. The loan and finances charges included GAP and GPS. I requested a refund of the GAP coverage and I was told we will not be receiving the refund. I do n't understand, since we paid off the loan early.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midwest Recovery Systems reported a collection debt to my XXXX and XXXX credit file in XX/XX/XXXX for {$790.00}. I never received a 30 day disclosure of any collection activity. When I called them on XX/XX/XXXX after finding out this debt was placed on my credit file by XXXX XXXX, I could not reach a person and only heard advertisements for switching phone service, etc. 
It appears that the debt was sold from another collection agency (? ) to Midwest Recovery Systems. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file with XXXX and XXXX. This caused my credit score to drop at least XXXX points and possibly up to XXXX points. I intend to seek full restitution and damages if this is not removed from my credit file immediately. I 'm almost positive the debt was originally incurred in XX/XX/XXXX/XX/XX/XXXX, which would make the debt 8-9 years old now which is well past the statute of limitations. This is an illegal practice of debt selling and manipulation that violates the FCRA. Furthermore it can not be reported beyond 7 years. If a collection company can report to a credit bureau then they can sure pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file so my family can buy first house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX credit cards that I am only authorized user on and they report it on my credit report which is affecting my credit score b/c it shows up in my balances and history. This was my ex-wife 's accounts and she was late on paying them. I am not legally responsible for the debt and do n't feel it should show up on my credit report. I would like for them to be deleted off my credit report and update my credit score. If the only way they can do that I want off as authorized user and it deleted from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
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've challenged the negative information reported by Select Portfolio Servicing. I've never signed a contract with Select Portfolio Servicing and I've never conducted business with this company. They are reporting a high balance of {$470000.00}. This is being reported in error and should not be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX 2016, Navient incorrectly reported a 90-day late to each credit bureau 4 times for the loans consolidated with their one company. I 've asked that they correct this or give a valid explanation, but they refused on both occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$2100.00}

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 2022-03-14
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I wrote a formal letter on XX/XX/XXXX, requesting that Caliber Home Loans remove private mortgage insurance, as the LTV is now at 73 %. My husband and I have worked diligently to pay down the loan to 78 % LTV since we closed on our new home in XX/XX/XXXX. 
We originally put 10 % down when we first purchased the home. We were able to make a large sum payment a month after our home purchase of $ 50k to get it down to 80 %. We've continued to paid it diligently and brought it down to 78 % but the PMI still isn't removed. My husband and I have both called in to ask customer service to remove it. Nothing has been done. 

According to the amortization in my signed closing package it is removed at 77.78 % LTV. The website also says it is automatically removed at a 78 % LTV. 

I've attached the letter I mailed and also submitted to them online requesting the removal of PMI ( this letter includes a copy of the original signed closing disclosure ). I've also attached our signed closing package with amortization schedule that shows when PMI is removed. I also attached the website print out explaining when PMI is removed. Lastly, I've attached a recent mortgage statement showing what our loan balance is currently showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It all started in XXXX when I made my house payment to Bank of America on the XXXX, and it cleared my checking account on XX/XX/XXXX. They mistakenly applied the entire amount, ( including {$100.00} extra to principal, which I do every month ) to principal instead of house payment, Who in their right mind would make a {$1200.00} payment to principal and not make their house payment. I have tried the entire month of XXXX and XXXX to clear this up. I ended up making my XXXX payment over the phone, and getting a confirmation number because the local branch where I usually make the payment wouldn't accept it. I made that payment on XX/XX/XXXX, and it cleared my account on XX/XX/XXXX. I recently made my XXXX payment over the phone as well, and got a confirmation number because B of A keeps sending me letters saying that I owe {$2700.00}. Every time I speak with someone it is a minimum of an hour and a half on the phone, and they always tell me that it shows I have made my payments, but due to their error, they are not being processed correctly. I spoke with someone again this morning and told them they have until next Wednesday to clear this up or I would be contacting 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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$32.00} Credit Limit {$1500.00} Highest Balance {$1600.00} Terms NA Payment History XXXX XXXX XXXX not mine FCRA violations remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Synergetic Communication Inc
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Here is a copy of the text sent to me VIA EMAIL : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2022 Current Creditor : XXXX XXXX XXXX XXXX Current Creditor Ref # : XXXX Our Ref # : XXXX Original Creditor : XXXX XXXX  Our client has authorized us to offer you the following discount to resolve your account : Balance Due : {$530.00} Discounted Payment Offer : {$170.00} Payment Must Be Received By : XXXX Should you have any questions regarding this, please call us at XXXX. 


Upon receipt and clearance of the discounted payment amount we will notify our client that the account has been resolved for less than the full balance. We are not obligated to renew this offer. 

To make a payment online, please visit us at www.syncomcorp.net and click on " make a payment ''. 
Log in using Account ID : XXXX XXXX Account # : XXXX This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This company is attempting to contact me via email FOR A DEBT THAT I DO NOT OWE NOR HAVE ANY KNOWLEDGE OF. IT IS NOT MINE. 

Not only that, but they have violated multiple subsections of the FCRA and have caused me great emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX is collecting a debt for XXXX XXXX XXXX without a tear-off form to dispute the debt per CFPB XX/XX/2021 law. 
XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX / XXXX Colorado XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO 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
Consumer complaint received 2016-01-15
Company: Scott Lowery Law Office, P.C.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Scott Lowery Law office contacted me about a alleged debt that supposedly I owe, I immediately responded back by mail to dispute the debt and to obtain verification and proof that I owe this debt. The paperwork that they sent back to me was arranged in a matter to represent a court filing and had my local courthouse name and address on it but no case number. 

The documentation provided was obviously forged because the contract they sent had multiple signature dates, no signatures and other fabricated. documents and documents with no reference to the original account number and no direct link to me as the creator of the debt. I sent a certified follow up letter disputing the information that they provided and have not received a response back yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TD BANK US HOLDING COMPANY
State: IL
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:
The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX, XXXX, and TD Bank/ Target. This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.

Company response to consumer: Closed with explanation