BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
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:
In accordance with the fair credit reporting act they violated my privacy and confidentiality under 15 U.S.C 1681. Accounts for XXXX XXXX, XXXX XXXX XXXX Acct # XXXX ; XXXX XXXX XXXX acct. # XXXX, XXXX XXXX acct. # XXXX ; XXXX  XXXX  acct  # XXXX ; XXXX XXXX XXXX acct # XXXX ; XXXX XXXX XXXX, XXXX acct # XXXX ; XXXX XXXX XXXX acct XXXX XXXX ; XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX ; XXXX XXXX  college district, student # XXXX ; XXXX acct # XXXX have violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account with out written instructions. 15 U.S.C 1681 C. ( a ) ( 5 ) section states no consumer reporting may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report more than 7 years. 15 U.S.C 16815-2 ( 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 accurate.

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 2020-12-23
Company: QuadPay
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off loan # XXXX I returned the item and never got my refund. 

I went through my entire account with QuadPay and noticed they NEVER issued a refund on any of the items that I returned. 

You cant talk to a live representative and the emails the return they send you are rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being. I have attached a copy of my identity theft report filed to substantiate my claim. Your prompt attention to this matter is crucial to mitigating the damage caused by this identity theft and restoring my creditworthiness.

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 2023-02-25
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:
Disputed an account on XX/XX/2023 listed by XXXX XXXX for a debt amount of {$1200.00}. XXXX XXXX has also listed duplicates of the same account but with different balances. Requested an investigation and XXXX XXXX reports the debt as valid with no evidence of investigation. The Fair Debt Collection Practices Act states that debt collectors can not misrepresent : The amount of the debt as this creditor/debt collector has. Requests for explanation of their investigation has gone unanswered. I have experienced damage due to this erroneous listing on my credit report.

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 2019-07-28
Company: EQUIFAX, 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 status incorrect

Complaint:
I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to XXXX and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to XXXX to have them change information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company stated I had to pay a 12 yr old debt or be served with papers and sue for 3x the amount of the debt. When my husband called them back they said they had not threatened to sue. They also acted like they could not give me a validation notice or their physical adress which from what I understand is required by law. They said they are a green company and do not send anything by mail and will only send out a paid in full notice once the debt is settled. I believe I may have actually paid the debt in full prior to this anyway. When I atttempted to look up the mediation service, Alternative Dispute resolution online there was little information and no XXXX picture of the business. The company they said was the actual debt collection company, that they were able to transfer me to within the same company, XXXX XXXX XXXX, there was no information om them as a company. Niether vompany is accredited by the XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-23
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is violating the Truth and Lending act and has not sufficiently established that it is the owner of the alleged debt The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached a letter to have this debt verified on my verification letter dated XX/XX/2020, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Torriere Holdings INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX After receiving calls from my sister, mother, father, wife stating someone from " SRS '' was trying to find me, called the number of XXXX. Got hung up on the first time, then I called back. They had contacted my mother alone, 3 times! 

Finally got out of the rep the company is Spire Recovery Solutions and they are wanting me to settle an account XXXX XXXX ) for {$930.00} which I stated I was not familiar with. 

I advised them I need to validate the debt, and to desist communicating with anyone but me on this account. I confirmed they have my contact info, but they would not confirm they would not call others regarding this matter. I also sent them an email asking them to not contact anyone else. 

Spire 's contact info : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX More hours Phone : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I requested the date to be changed for my credit card payment. I asked for the payment to be due on the XXXX of the month. Three months past and I forgot about asking for a change. Yesterday, XX/XX/XXXX, I checked my online statement and the due date was changed to the XXXX of the month. 

I called the bank and after a lot of conversations with various bank people, I was told the date I requested ( XXXX ) was not available so it was changed to the XXXX and I was not informed or asked to pick another date. No one contacted me about this matter and if I were to choose a new payment date, it would be after the XXXX of the month because that is when I get my Social Security check. 

I told the bank I could not make the payment due until the XXXX of the month and the bank refused to wave the late charge of {$37.00}. The payment must be made by XXXX on the XXXX. 
I told the bank my money does not go into my checking account until around XXXX XXXX on XXXX, but they insisted on charging a late charge if the payment was not made by XXXX on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from 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 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 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

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 2023-01-12
Company: Williams & Fudge, Inc
State: PA
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:
CEASE AND XXXX XXXXXXXX XXXX XXXX XXXX to a willing person, it is not a wrong XXXX XXXX XXXXXXXX XXXX company this is a written request for you to cease and desist all forms communication with me effective immediately.

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


Furthermore you have no jurisdiction or authority to collect on this allege debt. 

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You XXXXXXXX XXXX XXXXXXXX XXXX knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
My wife lives in XXXX. From time to time we send each other money. We have been married for 18 years. She has been to the United States 9 times and I have been to XXXX 10 times. Yesterday XX/XX/2019 my wife sent me {$500.00} through Western Union. I have never had any problems before even when the amount was over {$3000.00}. Now Western Union is demanding that you give them your Social Security for anything over {$500.00}. They say they want two forms of Identification. Yet, they will not accept anything other than a driver 's license/State ID and a Social Security Card. I had my Driver 's License and my United States Passport, BUT! my passport was not good enough. Passport and Driver 's License both have my picture on them, Social Security Card does not. Forcing someone to use their Social Security Number only opens up the person to Identity Theft. A person I work with have been getting calls from someone saying they are with the CIA. this person have information about a person he was sending money to and all of his personal information that he could have only gotten from Western Union or XXXX XXXX. This CIA person is demanding {$450.00} to clear his name. Seniors and disabled people are being victimized by Western Union and XXXX XXXX by using their Social Security number to do business. As for the CIA and all government agencies, none of them ever call demanding payment. This is a problem the need action to stop crimes against the elderly and the disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Experian Information Solutions 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:
I have a late payment on XXXXXXXX XXXX. It's not being removed. I had it on automatic payments and I still got a late payment. I have great credit. This should not be there.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regarding the accounts mentioned below, I would like to bring to your attention that it is being reported as a late payment accounts. However, I have reached out to the creditors regarding the validity of the debt, but they did not provide any proof. Therefore, I kindly request you to provide proof of the accounts being late and delete the negative payment status on this account. I understand that errors can occur, but incorrect details on my credit report can significantly impact my ability to own a home and have a negative impact on my credit score. I expect an updated credit report reflecting these changes within thirty ( 30 ) days. Dept Of EdXXXX XXXX, Dept Of Ed/XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of Ed/XXXX XXXX, and Dept Of EdXXXX 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 2023-01-12
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX up XXXX is holding funds that are in my account for 90 days. They 90 days has passed. They sent an email saying my funds would be realized within XXXX business days of XX/XX/2023. It is now XX/XX/2023 and I have yet to receive the {$3000.00} in my account. I would like my funds to be released to the bank account on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom it May Concern, Consider this document to be my a ) formal complaint against and b ) plea to CFPB for support in gaining restitution from the following two mortgage servicing companies -- XXXX XXXX XXXX ( at XXXX XXXX XXXX, XXXX XXXX, SD XXXX and/or XXXX XXXX XXXX, XXXX, AZ XXXX ) ( XXXX ) and ( XXXX XXXX ) /LOANCARE ( a XXXX   XXXX at XXXX XXXX XXXX, XXXX   XXXX , VA XXXX ) ( XXXX ) -- both of which breached their H.A.M.P. ( HAMP ) contract with me : 1 ) UPON DEMAND BEING MADE TO EACH OF XXXX AND XXXX, after each firm had received my formal written claim for the sum of {$720.00} ( due under that certain HAMP Borrower Incentive for Timely Payment Provision contained in HAMP document attached ), both XXXX and XXXX each refused to honor their contractual obligation contained in said HAMP document ( Contract ).

2 ) The HAMP Borrower Incentive for Timely Payment Provision giving rise to this complaint was originated by XXXX in XXXX. It offers Borrower a Timely Payment Incentive of $ XXXX/month for the purpose of reducing Borrowers mortgage balance upon pay-off. Borrowers payments were always timely after the Contract was entered with XXXX. 
3 ) For calendar years XXXX and XXXX XXXX met its obligation under the Contract and subject loan which XXXX designated # XXXXreducing the principal balance each of years XXXX and XXXX by {$1000.00} per year ( i.e. 12 months/year times $ XXXX/month= $  XXXX/year ). 
4 ) During calendar year XXXX XXXX   transferred its mortgage servicing benefits and obligations under the Contract to XXXX. 
5 ) Subsequently, on XX/XX/XXXX, XXXX loan # XXXX was paid off. 
6 ) The commensurate Borrower Incentive of {$720.00} which had accrued to Borrowers account up to and including XX/XX/XXXX for the calendar year XXXX ( i.e. XXXX Months -- XX/XX/XXXX to XX/XX/XXXX -- times $ XXXX/month ) was never applied to reduce the Loan Pay Off Demand which was generated by XXXX. 
7 ) Shortly before and after paying-off subject loan, having realized {$720.00} should have been but was not credited to my account upon payoff, I contacted XXXX and XXXX separately via phone & subsequently emailed each of them my Demand for {$720.00} plus all back-up information they requested. Thereafter Executives at XXXX and XXXX pointed fingers at each other as being the responsible party. XXXX claimed they had not known about the Contract upon assumption of servicing papers from XXXX   and therefore could not be held responsible as a result. Finally each of XXXX and XXXX refused to reimburse my {$720.00} claim -- suggesting I contact The Federal Government for assistance and/or remuneration. 
8 ) PLEASE NOTE THE SUMMARY PAGE OF THE ATTACHED H.A.M.P AGREEMENT ADDRESSED TO ME, XXXX XXXX, WHICH CONTAINS THE BORROWER INCENTIVE CLAUSEthe subject of my complaint and plea to CFPB. 

Please review this situation at your earliest opportunity and advise me of action pending as a result. 

Yours Truly, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation