BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2022, I received the investigation results but never received the investigated report as defined in the FCRA 15 USC 1681 a ( e ). Investigated Reports must have sources of interview of family and friends and the results must be factual. You cant verify anything unless I verify it, any documentation I receive concerning the alleged debt are only Exhibits that prove the alleged debt was created due to a consumer transaction. The consumer report is nothing but an attempt to coerce payment 15 USC 1692d the advertisement for sale of any debt. before you can validate a debt, you need to prove 5 things, which the first method to validation is proving who is the original creditor, which I am the original creditor. You can not legally say you did an investigation unless you perform a true investigation such as one done for a crime. You must talk to my friends, neighbors, family members and me. If you have not done this, it is not an investigation. Therefore, you have no validation, and the negative remarks MUST BE REMOVED ASAP. 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to you. By law, I do not need to submit a FTC report, I, the consumer can provide a statement stating this information is not mine. I have not given EXPERIAN, XXXX, AND XXXX permission to furnish this information. This is identity theft and as a result, the late payments must be removed and blocked from my file. I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. Remove all late payments from my consumer report effective immediately. ATTATCHED IS THE INVESTIGATION RESULTS I RECEIVED NOT THE INVESTIGATED REPORT I RECIEVED

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: Southwest Recovery Services, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southwest Recovery Services Collection company located in XXXX, Texas reported on my credit the same debt four times. 
First, I noticed that this company reported the same debt twice. It is a debt since XXXX. Then, I noticed that on XX/XX/XXXX they reported the same account twice again ( total of four times that same account ) now I have a total of XXXX. The debt is only for XXXX. I called them and a representative told me that i owe the money. I explained to him that it was wrong and by reporting the same account four times it was affecting my credit so bad. He asked me for my email address. I gave him my email address and he said that in a period of 48 hours he will send the documents to email. 48 passed and he never sent such email. I called the company and left my number, but no one returned the call and am still waiting for the email with the documents to support their reports to my credit. They also flagged my debts as if someone stole my information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Manhattan Beach Venture, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Department of Treasury, I called, on XX/XX/2022 an amount unsure of was taken from my Social Security account. XXXX XXXX requested more than {$8000.00} from me. I sent a denial of the debt with my signature. Why are they, government stealing as they choose, from me? Offset, I did not give legal conscious permission to be robbed of my rights. I need my Economic Impact check and whatever else is my fund.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-16
Company: Resurgent Capital Services L.P.
State: PA
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:
On XXXX XXXX I became aware that XXXX/RESURGENT RECEIVABLES violated Regulation F subpart B 1006.6 communications in connection with debt collection. XXXX/RESURGENT RECEIVABLES did not receive consent to access my consumer report nor had express permission of the court. XXXX/RESURGENT RECEIVABLES communicated with me thru my credit report and it unusual and inconvenient. I later received some correspondence with a statement and coupon from another company. XXXX/RESURGENT RECEIVABLES has violated my privacy and I fear that my private information has been sold or told to parties I have never agreed to contract with. The original creditor is not listed, and I have no knowledge of this account. I REFUSE TO PAY THE ALLEGED DEBT & I DEMAND THAT ITS DELETED AND REMOVED FROM MY CREDIT FILE. XXXX/RESURGENT RECEIVABLES is to cease and desist any collection activity on this account. WHERE IS THE CONTRACT BETWEEN ME AND XXXX/RESURGENT RECEIVABLES? HOW MUCH WAS THE DEBT AQUIRED FOR? WHO BOUGHT THE DEBT? Where did you receive permissible purpose to report anything or access my file? XXXX/RESURGENT RECEIVABLES violated 15USC 1681b2 at least 3x by reporting this disputed debt without my express written permission to XXXX XXXX AND XXXX. XXXX/RESURGENT RECEIVABLES has violated 15USC 1692 and will be held liable under 15USC 1692k and 15USC1681Nb.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Advance Bureau of Collections
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The collection called a family member on there job and gave full disclosure regarding an alleged debt. This family member was not my spouse.

Company public response: Company 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: 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:
Submitted to XXXX copies of fraud complaints filed in XXXXXXXX XXXX Florida with Police and Civil action against fraudster. Submitted copies of Identity Theft, XXXX fails consistently to review attachments to correct account to zero balance. Attorney XXXX and XXXX supplied zero balance letter on the behalf of Capital One and previously sent to XXXX and on XX/XX/2021 dropped my credit score to XXXX stating balance still owed. 

Capital One balance is at zero and XXXX refuses to update current status. I have submitted 3 investigations and fail each time due diligence and report inaccurate information.

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 non-monetary relief
Consumer complaint received 2016-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
I called Capital One on XXXX/XXXX/XXXX to try to resolve an old charged off account for {$900.00} payment today. The account has a balance of {$1700.00} and I spoke with a representative that says that the account is uncollectable and that they can not accept any payment because I had been issued a XXXX for this debt in XXXX. I would like to resolve this account for a paid in full {$0.00} balance to be reported to the credit bureaus. I have the ability to pay, but Capital One says that this debt is now uncollectable and forgiven. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt was originally from Capital One credit card. I disputed charges with them on multiple occasions and my issues went unresolved. The debt was disputed with the credit bureaus. Removed and then on XXXX/XXXX/16 the debt was added back to my credit report but through XXXX XXXX. XXXX has now illegally re-aged the debt to appear current even though the debt is old and from capital one charges, that they still have yet to resolve. In addition, capital one did not provide any information that the debt was being sold and/ or any update to the investigation regarding charges before putting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX And Experian both received a final warning and fourth dispute letter of violation of the Fair Credit Act without accurately verifying any of the accounts belonging to me. I've never received any paper correspondences from XXXX or Experian this entire dispute process ( only electronic notifications that the accounts had been verified ). On XX/XX/XXXX, XXXX received an offer of settlement before litigation and fourth dispute letter in regards to the XXXX account to be DELETED from my credit due to not being in compliance with FCRA Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( a ). 

On XX/XX/XXXX, Experian reported via digitally on my portal they've verified the XXXX account belongs to me without providing a verified signature acknowledging this to be accurate. Reporting # : 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 2022-05-16
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had called them back in XXXX. They stated I was to pay XXXX or more a month. I filed for forbearance forgiveness. Sent them my information on what I made. I am retired and My Monthly payments isnt no where the amount! 
They wanted me to fill out forms and send all my information to them. 
I had talked to them numerous times and one would tell me I would be good with no payments and them someone would call me and state I owed them over XXXX and they denied me. They keep on harassing me on the phone. I have paid Ed Financial for many years and when Covid-19 came. I couldnt my pay was reduced cause of XXXX. Please help me. They are calling me every day!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: LEXISNEXIS
State: MN
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:
Pursuant to Fair Credit Reporting Act 1681i ( a ), the CRA that receives the dispute must conduct a reasonable reinvestigation of the dispute. The Consumer Reporting Agency also must notify the furnisher of the dispute. That is generally done electronically through an automated consumer dispute form, or XXXX. 

Once notified by a CRA of a consumer dispute, the furnisher of the disputed information must do its own reasonable investigation. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disputed information. 
Please conduct an investigation with the deed of court or clerk of court and forward me the finding or delete the public record!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Selene Holdings LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX, not in its individual capacity but solely as owner trustee for XXXXF XXXX XXXX XXXX, claims IN COURT to be the PURCHASER of my real property on a foreclosure sale that took place on XX/XX/XXXX. 

XXXX XXXX is still a BANK and they can not own real property that is not for banking business. At the FORECLOSURE SALE that took place on XX/XX/XXXX, XXXX XXXX, attorney from XXXX XXXX XXXX, XXXX, said that the lender SELENE FINANCE LP bought my property. It's ALL RECORDED ON VIDEO. I'm attaching two AFFIDAVITS OF FACT WITH PERSONAL KNOWLEDGE, TERMS OF SALE and the third accomplice is XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX is attempting to STEAL my property. They are in violation of 15 U.S. Code 1692e ( 4 ) - False or misleading representations, the representation or implication that nonpayment of any debt will result in the seizure, garnishment, or sale of any property unless such action is lawful and the debt collector or creditor intends to take such action. 

THEY ARE STILL A BANK. They are not the alleged lender or the alleged servicer. 

TWO AFFIDAVITS OF FACTS WITH PERSONAL KNOWLEDGE and a video recorder will proof that they were not at the foreclosure sale. No agent, representative, man, woman of the Bank, XXXX XXXX XXXX XXXX XXXX XXXX were present at the foreclosure sale. There was no deposit of {$28000.00} as per the Terms of Sale. There was no PURCHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
This is regarding the XXXX transaction that took place on XXXX XXXX, 2015. It was my knowledge that Capital One had a 20 % ride credit for all XXXX rides but Capital one failed to send me an email for setting up a Promotion code to have the XXXX XXXX ride for free. Searching through my inbox, I have no record of such an email in my inbox and Capital one is using false advertising to claim this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Capital One Auto Finance repossessed and subsequently sold my car while it was under my husband 's Chapter XXXX Bankruptcy. When I inquired to Capital One about regaining possession and rectifying the account I was told to call back when the bankruptcy was over. I called back. They had already sold car. My credit report showed a repossession and recovery amount owed. I was not given a chance by Capital One to regain possession of the car or take over payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent out letters certified over 30 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding.

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 2020-06-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Husband and i purchased our first bed for our new home on fXX/XX/2020 from mattress firm, sales associate XXXX XXXX. We laid on the queen size bed at the moment husband was pleased even though we argued over king vs queen. XXXX stated we were getting the black diamond mattress. Being it was the last bed left with adjustable base. My husband was happy with this bed. The bed fit him/us and suited his needs. So i went along with purchase. When the bed was delivered. It was not covered or protected in any plastic. It was placed and they left. This is not the same bed. It cant be. The bed seems smaller. His feet is hanging off. The mattress protector had shrunken after first wash. Waisted XXXX $ there on top of the XXXX. He should have known better if he brought the same quality bed. The expectations were not good. I have not slept a goods night since XX/XX/XXXX. Nothing but back pains. The mattress lumps up, my husband fell out of bed 2 times now. His side is way lower than my side. Bed is not the same as we laid on. The bed has edges on around it? Why did he sell us a dream. The delivery didnt feel right. Now when i called to ask about trading in bed. We are told to wait 3 weeks. To give bed a try. Pandemic started in XXXX so i wasnt able to make a warranty claim until after XX/XX/XXXX. Then they say wait 120 days before making a complaint. Well being it was the last bed and XXXX claim he gave us the best bed it was the floor model and now we cant exchange and i dont feel obligated paying XXXX for an uncomfortable bed. They have had 3 sales since our purchase. We want what we paid for. This was a sham ... .we just want them to pick up bed if we can not get the mattress n frame of choice. Not to be told lies about what to expect.

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 2017-05-20
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is for  XXXX , i disputed with all credit beurau and was removed form   XXXX   on   XXXX    XXXX      but keeps coming back,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
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:
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 XXXX XXXX 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 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