BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: Capital Eleven Auto, LLC dba Capital Auto Loan
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I got refered to them by my my son and they approved me but didnt no it was such high interest I had never got one before so at XXXX percent my payments of XXXX dollars was going all to interest never the veihicle and Im a single mom I XXXX my job because this vehicle is a lemon and engine blew on it 52 days after I got it I kept having problems took it in 2 times before engine went out when I got it back my check engine light was on and they said they dont no why and I needed my car to get to work and kids to school thats why I went and got it because I was in awreck that totaled my old one and so after replacement of engine because I did pay for service contract but they wanted me to pay for it to be towed and I could not afford that I did pay for it once and it was free from my insurance once and it broke down again after I had engine replaced power steering went out speed sensors on tires was broken traction control broken eqaust had holes in them I could not pay payment and mantaninse on it to I XXXX  my job then I couldnt pay payments with no way to work I put maybe 1500 miles on it at most

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Thaxton Investment Corporation
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I received the attached advertisement in the mail. I did not solicit anyone for a loan. I called the number to stop receiving offers. The recording said they would need my 'Social Security Number '' in order to take my name permanently from their records. It is obvious that this is a scam to get people 's social security numbers. Additionally, the amount of interest equates to 92.52 % per year. I am pretty sure that is illegal. ( I have scratched out my info on the check so it can not be used )

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 2022-10-27
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:
I just received my reinvestigation back from EXPERIAN, XXXX, XXXX. 

They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate XXXX  Accounts # - XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXXXXXX 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
Consumer complaint received 2021-03-16
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Certified mail was received on XX/XX/2021 by Merchants and Professional Collection Bureau , Inc. requesting validation of debt. On behalf of XXXX XXXX of XXXX XXXX they responded with medical records, a DIRECT violation of HIPAA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPAA form authorizing access to any such medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: First National Collection Bureau, Inc.
State: WA
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 a letter from First National Collection Bureau , Inc. stating that their client " XXXX XXXX XXXX '' is offering a discounted offer to pay off a debt. The letter indicates the current Creditor is XXXX XXXX XXXX and the original creditor is XXXX. I have never held accounts with either of these entities and feel this debt is not valid and certainly not my debt. I have done some research online about XXXX Funding and find that there is a ton of information on credit reporting websites that show this XXXX company is conducting illegal collection activity. I am writing this company back directly disputing this debt and requesting that they remove my name and address from their accounts and cease and desist in all further contact or request for payment since this debt does not belong to me and I have no responsibility to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a Loan No. XXXX with XXXX. ( See " First Attachment ). To secure repayment, the XXXX executed a Mortgage Loan No. XXXX with XXXX ( " XXXX '' ) as nominee for XXXX, which was recorded in the Bureau of Conveyances of the Federal State of XXXX as Document Number XXXX. ( See " Second Attachment '' ). Shortly thereafter in XXXX, XXXX claims and states that it sold its Loan No. XXXX to Countrywide Home Loans , Inc. ( hereinafter " CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC. '' ). ( See " Third Attachment '' ). CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., states in a XXXX XXXX, XXXX " NOTICE OF INTENT TO ACCELERATE '', that Conduit Loan Account No. XXXX between the XXXX and unknown investors is in serious default. ( see " Fourth Attachment '' ). CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., states that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of XXXX as Document Number XXXX, BANK OF AMERICA , N.A . FDIC NO. XXXX is now the mortgagee of record for XXXX Loan No. XXXX. ( see " Fifth Attachment '' ). A Notice date of XXXX XXXX, XXXX, CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., shipped to the XXXX a " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN ''. ( see " Sixth Attachment '' ). On page XXXX, number XXXX, reads the origination date of XXXX XXXX Account XXXX. XXXX between the XXXX and unknown investors was on XXXX XXXX, XXXX. On page XXXX, numbers XXXX and XXXX, also states that the XXXX XXXX Account XXXX. XXXX was transferred on XXXX XXXX, XXXX, to a New Creditor : BOFA MERRILL LYNCH ASSET HOLDINGS, INC. ( see " Fifth Attachment '' ). Since XX/XX/XXXX, for over two years, BANK OF AMERICA , N.A . FDIC NO. XXXX has been attempting to seize and steal the XXXX House and Property.

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 2022-10-27
Company: CCF Intermediate Holdings LLC
State: CA
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:
XXXX XXXX has continued to make contact with me via mail after I have asked them to cease and desist any communication with me. This is a direct violation of the FDCPA. Communication is defined as conveying information regarding a debt directly or indirectly to any person through any medium. I never asked XXXX XXXX to obtain copies of any contract or related documents and mail them to me, I have never asked for validation or verification of this alleged debt. 
This company is making an effort to collect off of an extension of credit by extortionate means by furnishing negative information to my credit report in an effort to coerce payment from me, 18 USC 894. My social security number was used in connection with this transaction and I am aware that my SSN belongs to the Social Security Administration. Anything obtained with that number is the obligation of the United States. Being that XXXX XXXX is attempting to collect this alleged debt makes you guilty and in violation of the false claims act ( FCA ) 31 USC 3729-3733. In accordance with USC 15 1641, civil action can be brought against an assignee of a creditor. By XXXX XXXX continuing to make false claims that I am obligated to pay a debt and ruining my credit, you will be held civilly liable for tarnishing my credit reputation. I have never signed any paperwork with XXXX XXXX stating that I ever agreed to pay them anything. Whether this alleged debt was assigned to them or not does not make me liable to pay XXXX XXXX for something I never agreed to pay them. This company has used my personal and private information and has furnished this to credit reporting agencies which they never had my consent, written or otherwise to do. I DID NOT AND DO NOT CONSENT to this company furnishing this information to my consumer report. This by definition is considered identity theft 18 USC 1028A. They are also using my personal identifying information to try to collect an extension of credit by reporting my stolen information to a credit reporting agency to receive payment for an account that I never had with them. This is fraudulent and unlawful in nature. Any continued negative reporting of this account will result in legal action in Federal Court. XXXX XXXX has 15 days to delete the negative reporting or they will be sued for Defamation and for not complying with the FDCPA or FCRA. In addition, I will also be reporting this company to the FTC for aggravated identity theft and fraud.

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 2017-02-17
Company: First National Collection Bureau, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I missed a phone call from First National Collection Bureau. Called them back. The lady that answered the phone proceed to start yelling at me when I told her that the debt she was trying to collect was over 10 years old. She started to cuss at me, telling me that my rights did n't matter and that she would be collecting the debt one way or another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an routine XXXX XXXX  with my former XXXX insurance. ( XXXX XXXX ) last year on XX/XX/XXXX in a XXXX XXXX at XXXX XXXX  ca. XXXX originally bill XXXX XXXX XXXX my former primary insuranceXXXX XXXX XXXX  paid only an amount for the XXXX ; however, I swowed proof of my XXXX XXXX   insurance when I had the test.

I went to XXXX offices to speak to a representan and told me they would bill XXXX XXXX  again for the payment. XXXX XXXX said that they paid the benefits and I should only worry about the copayment of XXXXdls I was sent to collection by XXXX XXXX because of that issue on the month of XX/XX/XXXX. I called both XXXX  and XXXX XXXX to fix this misunderstanding and both of they blame each other for this payment.

OnXX/XX/XXXX I had to pay XXXX dls to FINANCIAL CREDIT network to get out of collections. I called both XXXX and XXXX  again to request for a disbursement and they kept blaming each other about it. XXXX XXXX  says they paid the service on XX/XX/XXXX, XXXX denied it. On the meanwhile I was sent to collection and pay XXXX to get my credit as it was before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have been harassed via postal mail from address XXXX XXXX XXXX XXXX XXXX, MN XXXX multiple times, as I refuse their mail sent to me due to the fact that I do not know who this corporation is and after refusing their mail multiple times they keep harassing me. I do not accept mail from corporations, people I have no business or contract with. After making it clear to them that I do not understand or know who they are or what their intention is, to please cease all communications with me unless they can identify themselves properly or send some type of verification that I have a contract or know them on a personal level. They do not, they just keep sending mail with fake seals, pretending to be government entities trying to induce me under the color of law, which is a crime, as I mentioned before I do not know these individuals or what their intentions are, obviously its FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a inquiry on my transunion form XXXX card on XX/XX/XXXX on my credit report I XXXX XXXX did not apply for never and I would like it removed form my credit report I have written letters to transunion and XXXX card on XX/XX/XXXX an I have never got any response from either company I call them transunion tells me to call XXXX card and XXXX card tells me to call transunion neither is a help of resolving this matter or letting me no where it came from so I decided to ask yall for help resolving this matter because I am getting no where I have also attached the letters I wrote to XXXX and transunion thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: National Credit Adjusters, LLC
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: LEXISNEXIS
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Back on XX/XX/2021 LexisNexis received my letter, asking for their method of verification concerning the bankruptcy they reported to the credit bureaus on my credit reports, I sent them by way of priority mail that I have a tracking number for, that shows they received it on XX/XX/2021. When I called LexisNexis last Tuesday XX/XX/2021 to see what the status was on the letter I sent them, they said they could not find it and they gave me an email address to mail them my request again. However, LexisNexis still has not bothered to let me know that they received my email and they will be responding soon or whatever. So let 's try this again, In this letter I need LexisNexis to give me the method of verification for the bankruptcy they reported to all the Credit Bureaus, I need LexisNexis to tell me how they obtained the bankruptcy information they reported to the Credit Bureaus in accordance with the FCRA that states a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. 

When you are finished with your investigation please mail my results to the address below, a copy of my Drivers license and Social Security card is attached for identification proof. Since you all lost my first letter that I have a tracking number for, that you all received on XX/XX/2021, I need this sent to me asap! 

Also, be advised that me and my husband XXXX XXXX share this CFPB Account, so please don't think that this is some third party! You have a copy of my ID and Social Security Card. 

XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Around XXXX of XXXX I noticed fraud on my credit report. There were multiple credit inquires to rent apartments in Georgia. I called these apartments and companies who did the credit inquiry and provided my drivers license and statement that someone stole my identity. I also filed a police report with the XXXX Police Department. I put together a report and filed it with the credit bureaus. I also locked my credit file. Most companies cleared the false reporting on my credit report. Rent Recovery Solutions LLC showed up on my credit report in XXXX of XXXX after I cleared up most of the fraud reporting on my credit report. I immediately called the apartment XXXX XXXX who was the client of Rent Recovery Solutions and responsible for fraudulently renting an apartment under my social. The manager stated my apartment was rented under the old owners and since he was part of a new management company he couldn't help me. I then called Rent Recovery Solutions LLC and attempted to explain to them what happened. They were unhelpful and rude. They would not help me or take my report. They are making it difficult to dispute and requiring unnecessary steps to dispute. I had to call over 3 times and asked for a manager. They state there is no manager and the owner is the only manager. They also state the owner is unavailable to talk to me. It seems they are making it difficult to help their numbers and chances or recovering fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Sylvania Acceptance Corporation
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Equitable Acceptance Corp
State: GA
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 called the company numerous times. The account was paid in full in XX/XX/XXXX. The account was not established with a credit line. The information reporting is incorrect. The company refuses to update the information to show the XXXX balance. Therefore, it is still reporting as an open account and fully utilized credit. This is incorrect information and affecting my credit scores. Show as follows on my credit report : Equitable Acceptance Reported XX/XX/XXXX - 104 % Balance : {$1400.00} / {$1400.00} Overview You 're currently using 104 % of your account 's limit. Balance {$1400.00} Credit limit {$1400.00} Minimum monthly payment {$42.00} Opened XX/XX/XXXX ( 6 mos ) Payment History Youve made 100 % of payments for this account on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Charge Account Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0 See an error? You could dispute an error with XXXX. GO TO XXXX Creditor Information EQUITABLE ACCEPTANCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation