BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I was made aware of an incorrectly reported medical charge-off. The error was with the medical center accounting as the funds were paid through insurance. Additionally, we were never notified of the issue nor that the issue was being turned over to an outside collection agency nor that the information was going to be reported negative on my credit reports. I only found out about because I pulled an annual report. This finding was disputed in XX/XX/XXXX with the three reporting agencies and the information was removed. I am only able to locate one of the dispute confirmation numbers ( XXXX ) and only one " deleted '' screen shot from XXXX. End result is this debt is now once again showing up on my bureaus. XXXX and XXXX and XXXX XXXX XXXX are the same debt and neither should be showing on any of my bureaus. It should NOT be showing as a debt, a past due debt, a paid debt, a collection account, an account paid in full was a collection account, a charge-off, or as a paid charge-off. This amount was cleared up with the emergency services accounting and billing department and was never a credit bureau listed debt, also proper notice was never given to me that this was going to be placed on my credit report, nor as a negative entry. The incorrect reporting on my bureaus was cleared up and deleted in XX/XX/XXXX and now the same information is back on my reports in XX/XX/XXXX! This cost me MONEY in increased interest rate as it affected my FICO score! This should be illegal for them to do, it needs to be once again removed ASAP!

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 2016-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I started a loan application with Capital One on XXXX16. 
Turned in all required and requested paperwork within the first 5 days. 
Capital One has assigned me a closing date of XXXX16, then canceled with no prior notice to all/any party involved. Capital One assigned another closing date for XXXX16, then canceled with no prior notice to all/any party involved. 
I 'm going to lose this opportunity to purchase this property due to Capital One neglect. 
The seller has been very patient, now I 'm out of time to try and seek a mortgage from another source. I have paid monies to Capital One. 
I need and deserve a response from Capital One, I need them to follow through with my loan before I lose this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is 3 years which makes this a time-barred debt.XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
On XX/XX/21 I disputed online and sent a letter to Experian regarding a collection appearing on my credit report with the company XXXXXXXX XXXX  XXXX, which this collection isnt mine. Also, I contacted the original creditor several times, no answer. 

On XX/XX/21 Experian online alerts stated, The dispute for the account with XXXXXXXX XXXX XXXXXXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certi-ed to Experian that the information is accurate. 

Legally, according to FCRA any items unauthorized or unverified MUST be removed. 
Experian didnt provide any proof of this collection.

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 2022-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Estoppel of Silence If a creditor or collection agency fails to answer your validation letter you should send an Estoppel of Silence Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear Capital One, This CFPB letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.

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 2022-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Capital One Bank offered checking and savings account but closed many branches. So in order to access money, we have to travel to the limited branches that are now open. Yet the website offers non-fee ATM in various authorized locations. The website located : XXXX XXXX XXXX, XXXX XXXX NY XXXX ( AD # XXXX ). So I went to this location to access my money and was charged and additional {$3.00} and the following day Capital One charge an additional {$2.00}. Capital One representatives transferred me over twice after and repeatedly told me she is unable to see the extra charges. Finally, she told me there was nothing she can do and I should only use my XXXX accounts. So I closed my savings account ( # XXXX ). My issue was on this account and she kept fixated on my other accounts. The is no previous or current documentation that Capital One Clients should close their accounts and only go XXXX to receive full benefits. This should be published so previously open accounts patrons can be aware of Capital One 's current business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I've attempted to withdraw XXXX from my binance.us exchange account. I've been unable to do so as the following message appears when I've attempted to do so on multiple occasions after the aforementioned date, " Withdrawals suspended due to risk management ''. I've sent in a support ticket through the platform 's help desk on the same day and the only responses I get are " We are currently working on the issue. '' For such a simple functionality, I question if this is a technical error with their system or is there some illegal reason behind this. Multiple individuals on twitter are experiencing the same issues with the company and we haven't received a single substantial response on the timeline or reason towards fixing this problem. My account is fully verified according their levels of identification so for security purposes, it passes that requirement for currencies to be withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Chase has impacted my credit by sharing and selling my student debt with a third party company such as XXXX XXXX XXXX. This information reported by Chase has been inaccurate. My account was transferred from Chase to the XXXX XXXX Loans. This in turn has led to XXXX XXXX XXXX to continue to collect on my account even though it was never under their ownership. The XXXX has taken ownership of this account when it was with another other holders Chase, XXXX and XXXX XXXX XXXX. I have advised them of this. Most recently this agency is profiling me at this date of XXXX/XXXX/XXXX when this account is not assigned to them. My student loans are currently assigned to XXXX. That has not stopped XXXX from causing negative impacts on my credit by putting erroneous information on my credit reports most recently XXXX/XXXX/XXXX with XXXX and XXXX XXXX with XXXX They have attempted to start the this cycle over by putting recent negative late payments on my account when it is not in their ownership. In addition, Chase has reported negative errors on XXXX occasions on each credit report. This appears that I have XXXX accounts with Chase on my credit reports which is inaccurate. My student loans were consolidated into XXXX loan for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Yes I had a bank account in 2014 with JPMorgan chase bank I deposit a check that a company gave me to in they told me it was fraud. And they was going to end there relationship with me for go in they reported me to XXXX I contacted XXXX by mail told the to remove me. They write me back and said they had started investigation in it might take 30 days to complete the investigation after 30 days they write bank in said they are removing me from XXXX because JPMorgan bank ca n't verify it so need this to be fix ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: DISCOVER BANK
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
complaint reference code XXXX discover checking account was blocked every time I tried to transfer funds from/to one of the previously linked checking or saving account to the discover XXXX or a real checking account Discover does not offer any real checking account, since a real checking account should be able to send and receive funds transfers from previusly linked external checking/saving accounts without a account block after each transaction The entire web internet is currently making fun of them since discover block/freezes the discover checking account if 1 there is a funds transfer credit, started from a previously linked external checking/saving account registered under the same name 2 there is a funds transfer debit, started from a previously linked external checking/saving account registered under the same name 3 there is a funds transfer credit, started from discover and pulled from the previusly linked checking/saving registered under the same name 4 there is a funds transfer debit, started from discover and pushed to the previusly linked checking/saving registered under the same name 5 if a customer does not use the debit card for a certain period of time and suddently starts tto use the debit card also for low amounts, then again discover blocks the checking account The bank is not normal, they even have a separate page were customer can upload the document id to confirm identity unlimited times and they name the page " secure page or secure upload or whatever '' I have uploaded my document id twice already t The first time they unblocked the checking account, but the account was blocked again when I tried to deposit funds to discover with a funds transfer from a previously linked checking/saving account registered under the same same, my name, as indicated above The banks need to make up their minds they have to decide if they want to operate n the internet or if are unable to operate on the web, they should work put the web only, offline, they don't have the permission to waste customers valuable time, with their strange procedures The result of their strange procedures can be found on the internet, the entire web is making fun of the so called bank The checking accounts was probably closed without notice, not even a simple email, maybe they are unable to type a email, because they need the help of the hight tech technology, the nasa, to be able to send email notifications I had funds in the checking account that were not refunded perhaps, they still trying to send a sms to the email adress registered on the discover checking account? 

good luck I will tell to each person that I know. that discover blocks checking accounts With no real reason

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Westlake Services, LLC
State: NC
Product: Consumer Loan
Sub-product: Title loan
Issue: Received a loan I didn't apply for

Complaint:
An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by fax that this is not my account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and have determined fraud. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavi as well as a letter from JAG so that they would know that this is not my account, but they refuse to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Capio Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ASSET CARE LLC, ACCOUNT # : XXXX ; located ; XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$100.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or about XX/XX/2021, I entered into a consumer credit transaction with XXXX XXXX who then illegally and fraudulently used my social security number and extended my credit to Toyota Motor Credit Corporation without my consent. During this consumer credit transaction, I was told that I would I be entering into this consumer credit transaction with XXXX XXXX XXXX and that I did not have a right to rescind this transaction under any circumstances. Attached you will find my ; Affidavit of Truth, revocation of Power of Attorney and agreement between myself the natural person and consumer between XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX , XXXX. intentionally sent a copy of a Writ of Garnishment to a third party, addressed vaguely so that it would be opened and read by someone other than myself. 

I am also certain it was sent to this address as a delaying tactic so that I would receive my mail late and be unable to respond in time to legal actions. 

On XX/XX/2013, I sent XXXX XXXX XXXX , XXXX. a certified letter that included, among other things, very specific directions about how to contact me as I have a PO Box ( I live in a rural area ). The tracking number for the certified letter is XXXX. 

( This letter also indicated that they were not to contact me by phone, which they have continued to do. ) I also included information about my mailing address in court filings. ( The court has had no trouble sending documents to the proper address. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft someone else took my information and opened up lots of accounts in my name that I did n't even know of until I check my report and saw all of it, this is really XXXX me. The name of the company is XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Inquiries more than 2 years old appear on 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 2022-05-16
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX  # XXXX XXXX, XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2015-04-07
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
The Underwriter purposely gave me a non-payable and detrimental repayment option in-lieu of a Loan Modification after my XXXX loan completed a Making Home Affordable Loan Modification. Quicken Loans attempted to take the needed savings from the Making Home Affordable Loan Modification for themselves, even though I am already in a repayment plan with Quicken Loans. They offered me to pay them back at {$1500.00} per mo. 

I presented this option to my HUD Counselor and Financial Adviser and they both agreed that it would put me in immediate default if I sign the repayment agreement. I let Quicken Loans know this council and the said sorry, this is our option. I then asked how this is a benefit and a help? They said you get us paid off in 12 months instead of 48. 

So I told Quicken Loans : My professional counselors have determined that by Quicken Loan 's proposed repayment plan is a guaranteed default and extremely risky to me and my family. I will decline this repayment plan by the professional counsel given to me and I ask you to consider a real and helpful loan modification and not repayment plan that is worse than I already have. 

They then said we are closing you file because you declined our proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: EQUIFAX, INC.
State: MI
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:
The accounts that I disputed wasn't fixed by the company at all. When I requested verification of the debts it came back verified when it wasn't verified by the creditor. How can it come back as verified with the credit bureaus when the creditors couldn't verify the debt and This inaccurate information on my credit is preventing me from purchasing a home and is effecting my true credit score. The credit bureaus went well over the 30 days multiple times and I feel like this should be resolved as soon as possible.

Company response to consumer: Closed with explanation