BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX Dear all, 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. 


The Debts involved are as follows : XXXX XXXX {$1600.00} XXXX XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2020-04-11
Company: Immediate Credit Recovery
State: WV
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, XXXX XXXX XXXX, XXXX, Administrative Remedy Demand No. XXXX, Notice by Written Communication was mailed to alleged Debt Collector via United States Registered Mail # XXXX XXXX. in response to notices dated XX/XX/2020, XX/XX/2020, XX/XX/2020 requesting validation of any alleged debt and was not a request for a copy of any invoice, statement, bill, agreement, alleged agreement, contract, alleged contract, and the like, nor was it a request for a copy of any notification of assignment, negotiation/transfer of rights, nor was it a request for a copy of any other un-verified document/presentment referencing said alleged debt. The request for validation of any alleged debt is a request for bona fide verification of any alleged debt. 

In accordance with law, only duly sworn/ affirmed affidavits, oaths, and depositions qualify as a verification of the lawful existence of a bona fide debt. Absent such verification validating the alleged debt, and absent proof of a claim greater than that of Secured Party alleged Debt Collector " fails to state a claim upon which relief can be granted ''. Wherefore, in accordance with the Fair Debt Collection Practices Act, effective immediately upon alleged Debt Collector 's receipt of the " Notice by Written Communication, alleged Debt Collector must cease all collection/prosecution efforts against alleged debtor, Secured Party, and Secured Party 's secured private property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion continues too violate consumers and FCRA by purposely reporting lies and inaccurate information for the sole purpose of damaging reports and scores. I have made MANY of complaints too CFPB yet nothing has been done about this issue. 

TransUnion has many errors and lots of inaccuracies throughout my entire credit report. Refusing to correct anything. I have contacted an attorney about the issue and will be seeking damages. 

TransUnion has continued too ACTIVELY report discharged debt which is about 4.5 years old. 

XXXX also continues too have inaccurate information on this same account. 

The name of the creditor is XXXX XXXX XXXX XXXX mortgage, The name has been altered many times too benefit their legal reporting needs. Because this company has been OUT of business, its solid evidence that the active reporting is in fact the reporting agencys doings. I thought government agencies like that of CFPB holds the responsibility of helping protect the consumer when companies are in violation of the law and the consumer. I have well over 30 complaints with CFPB, maybe resolving 2 issues at tops. 
That is totally unacceptable coming from a government agency. 

If others are able too read this and got nothing resolved, YOU arent the only one! 
I keep all my records on reports as Im sure the courts will want too know the involvement of the CFPB. 


The company is 100 % NOT adding remarks too my report, its TransUnion and XXXX BOTH ARE FRAUDULENT A company gone out of business does NOT still actively report! Evidence of FRAUD AND STOP SAYING YOU CANT IDENTIFY MY IDENTITY BC YOUR LYING! If TRANSUNION cant ID me then QUIT adding information too my credit report, QUIT providing my credit report and score too creditors, QUIT asking me too IDENTIFY myself because if I did, how would you even know whom too compare it too? JUST STOP ALL THE FRAUD already! Nothing has changed, absolutely nothing! TRANSUNION can verify my ID through the United States Federal Court during the 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 2020-04-11
Company: Harpeth Financial Services, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
On XX/XX/2020, I paid the balance off for my line of credit. At that time I received an email thanking me for my payment. The same email advised me of a line of credit in the amount of {$1400.00}. When I attempt to withdraw a couple of days later, the amount available was reduced and the transaction history showed amounts withdrawn ( not by me ). The company is unable to explain why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I have proof of my charges and willing to give you copies. It makes no sense to reverse the charges of my dispute with XXXX XXXX. I have called and left messages. I have not gotten any calls backs. 

I would also like to reverse a dispute and need your help, as I called twice and got no help Saturday AT ALL. I am disappointed in you guys. I thought you would not reverse charges and would be more helpful with disputes. I spend 20 mins with a customer service rep and was on hold and my phone died. I do not have a lot of time to call from XXXX. I need you guys to follow up with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I was considering financing through an auto dealer last XXXX, and did NOT give my consent to run my credit report - or that of my wife. They ran the report anyway which resulted in a hard pull on my credit file, causing my score to be lowered. I ended up financing through my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Insikt, 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:
On Friday XXXX I received an alert from credit monitoring service that there had been a new hard inquiry on my credit report. This was definitely not me. I reached out to the company, XXXX, formerly known as Lendify Financial. I spoke with a young lady on the phone. I was told there is no fraud department I can speak with but gave me an email I could reach out to. She took no personal information from me so that she could look into this. Just my name and phone number. I emailed the company email she gave me and am receiving no response. I called back and was told the same story, no one i can speak to about this fraudulent action against me and that I needed to send an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it, when I first noticed it I called XXXX XXXX and told them they even canceled that card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After Checking my Credit Report recently I noticed an owed amount of {$670.00} to the California Business Bureau, INC. collection agency. I called them and paid the amount in full. ( 1 ) it is still on my credit report. ( 2 ) I just received a new bill from them for an additional {$3400.00} - my credit report has no record of this debt / I feel they are making up a phantom charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX Dear all, 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 XXXX seek damages from you if warranted. 


The Debts involved are as follows : XXXX XXXX {$1600.00} XXXX XXXX {$250.00} 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 non-monetary relief
Consumer complaint received 2022-05-13
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:
XXXX, XXXXXXXX XXXX  XXXX accordance with fair credit reporting act XXXX  account XXXX, XXXXXXXX XXXX XXXXXXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am being harassed by Navient, I 'm being called 10 to 12 times per day and evenings, by several different phone numbers..My loans were consolidated in 1997, at nearly 8 % thats 20 years ago. I asked XXXX XXXX 10 years ago if they could reduce my interest rate being charged, when loans were at 3 1/2 percent, however was told if I borrowed more it would reduce interest rate on what I borrowed only. I have applied for a forbearance or deferment, however was told that i 'm NOT eligible. 
Income/sensitive reduction of payment OR ALLOW LOANS TO BE DISCHARGED TOTALLY IN BANKRUPTCY LIKE OUR NEW PRESIDENT ELECT DID ON SEVERAL LOANS. 
THE STUDENT LOAN INDUSTRY IS ONE OF THE GREATEST CONS TO REACHING THE AMERICAN DREAM ILLUSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-19
Company: WELLS FARGO & COMPANY
State: TX
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 have disputed this Wells Fargo account multiple times with the original creditor directly as well the credit bureaus. There are multiple inaccuracies reporting and all 3 bureaus continue to report the account even though there are blatant inaccuracies. The account is charged off but continues to report activity after the account was charged off by applying multiple charge offs month after month in the payment history damaging my credit score. There high balance amounts vary between the bureaus. The open dates are different between the bureaus. There are multiple dates for the date last active which prolongs how long the account will stay on my report. It also proves the account was re-aged. There are multiple dates listed for the date of last payment. There is no payment history reporting for one of the bureaus about this account. the account number is incomplete between the 3 bureaus. They original creditor has failed to enter a notice of dispute.

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 2020-04-11
Company: ID Analytics, 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: Personal information incorrect

Complaint:
On XX/XX/20 I applied for credit with XXXX XXXX and the reporting agency reported my credit score at XXXX this score is completely wrong. My credit score in XXXX, there may have been a typo on the application or an error with in the company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2021, I was notified by email from Capital One 360 that my bank account was being restricted due to unusual activity. The email said, " We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( XXXX ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. '' The next day on XXXX/XXXX/2021, I received another email saying I received a credit into my account, which said in the email, " This money is immediately available. '' However, this is not true as Capital One is refusing to lift the restriction from my account and is holding my funds XXXX by not allowing me to transfer my funds to an external account or use it in any way. On XXXX/XXXX/2021, I received another email about the restriction that said, " We're restricting your Capital One 360 account ( XXXX ) until we can verify your recent account activity. We may contact you to confirm this activity. Based on the results of our review, your account ( XXXX ) may be closed and your balance- plus all interest earned- will be transferred to your linked external checking account. '' This is also not true as they are not allowing me to transfer to an external checking account, and according to them the external checking account that was on file was removed from my account, even though I never removed it or asked Capital One to do so. After I received the first email, I called Capital One and instead of unrestricting my account, they made a decision to close my account after the claim is finalized because they said if my account was hacked or accessed by someone else it is " too much of a risk. '' There is not a risk of it being hacked if they allowed me to access my own funds over the phone as I have already verified myself by taking a live photo of my ID, yet they refuse to do this even though they have the ability to revoke the decision about restricting and closing my account. Capital One 's refusal to let me access or transfer my funds is causing a serious hardship for me. I can not wait weeks or months for them to close my account, I need these funds as soon as possible or I may lose XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had my original mortgage with Quicken Loans and then refinanced twice. This last time was the worst of XXXX bad experiences. 

Each time I communicated with Quicken I was given conflicting information leading to mass confusion. I think Quicken is engineered to confuse. I believe they do this to maximize their fees. I have kept a journal of each person with whom I spoke. No one was willing to put the results of the conversation in writing so I could prove the discrepancies in speaking from XXXX person to the other although the calls are recorded by Quicken. 

Finally, after closing the loan in XXXX, I received a statement on XXXX XXXX for an XXXX payment that was not correct. It was the payment based on my old loan and was more than {$200.00} than my current loan should be. I called and spoke to XXXX. She told me the statement went out before my new payment was calculated and that " You do not have any payment in XXXX. '' On Friday, XXXX XXXX I received a statement for a payment due XXXX XXXX. I called and stated I was told no payment was due. I spoke to XXXX XXXX in " senior management '' who told me indeed the XXXX payment was due XXXX XXXX. I had a sense he did not believe me that I was told otherwise by XXXX and I found him abrasive, at best, and cutting me off in mid-sentence. 

I did not budget for an XXXX mortgage payment and having a week 's notice imposes a budgeting hardship.I think Quicken should assume some responsibility for this mistake. Waiving the interest for XXXX seems reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage Company can not prove they have legal transfer of the Mortgage and have denied XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX due process and have filed for foreclosure without negotiating some type of alternative arrangement with me relative the house. I was never subpoenaed for the hearings and they have engaged in an illegal foreclosure process. They have tried to take the loan by illegally offering to pay debtor {$10000.00} then revoking the offer once they could not prove mortgage ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Quicken Loans is not reporting my mortgage to the XXXX credit bureaus. On my credit report, it states account is closed. This is affecting my credit rating. I was granted bankruptcy in 2013 for credit card debit. I have never been late on any mortgage payment. My account is current. Quicken Loans has been non compliant to any of my inquiries since the date of filing bankruptcy.

Company response to consumer: Closed with explanation