BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ( FCRA ) -- > XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
While I was out of town my residence was burglarized. My bank and credit cards were taken as well as monies and other valuables. When I contacted the banks and credit card companies I learned of unauthorized transactions. I filed appropriate claims with the banks and credit card companies and filed a complaint wit the XXXX Police Department. I faxed a copy of that report to the banks and credit card companies ; however, Capitol One has stated that it did not receive the report. It has not resolved my claim, issued provisional credit, or otherwise taken adequatye steps to inmvestigate and locate the person ( s ) that are responsible for the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: IN
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:
Experian received copy of 1099-C issued by XXXX XXXX  which in fact legally canceled the debt on XXXX, no balance is legally owed. 

Per my dispute on XXXX with Experian including uploaded 1099-C, Experian updated the account to the ACCURATE balance of {$0.00}. Then on or about XXXX Experian reinserted a balance of {$22000.00}. This is a FCRA VILOLATION I already filed a complaint with CFPB complaint number XXXX on XXXX however, Experian has not corrected there error nor provided a response. I did see that Experian noted my credit report on XXXX that their reinvestigation was complete and that the information of {$22000.00} balance was accurate. Experian has been provided with legal proof that the accurate balance is {$0.00} on XXXX account yet continues to ignore this factual information and will not block the account from updating a balance. There was no need for a reinvestigation as Experian already had legal proof of no debt owed to XXXX XXXX. 

I have copies of my Experian reports from XXXX thru XXXX that show {$0.00} balance and then on XXXX showing a reinserted balance of {$22000.00}. Again this is a FCRA Violation, I will give all this factual information to an attorney if Experian does not correct there error.

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 2022-09-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
equifax is reporting inaccurate late payments on my credit profile from companies such as XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX during XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-06-16
Company: Capstone Credit & Collection, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt placed for collection on  XXXX / XXXX /  XXXX  . After multiple attempts to verify debt, nothing was ever sent or reported to me. I have also discovered this company is NOT licensed to collect debts in the state of North Carolina as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Hillcrest Davidson & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX. I received phone call stating that I need to call a number with a reference number and there is legal documents waiting for me so I called the number gave them a reference number and they said I had a medical bill in the amount of {$910.00} and and are sending legal documents and if take care of this matter I am subject to wage garnishment property seizing tax garnishment Etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have a fraudulent auto loan and a bankruptcy showing on my credit file. I provided an official police report and the bureau told me that they could not accept it and or remove this from my file because the report didn't have a logo on it. I call the detective that is handling my case and he even told the representative that it's an official report with a seal. Nevertheless the bureau wouldn't accept it. I told the my file must be mined with someone else. These items on my file are hurting my credit. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Lending Club Corp
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I requested information about a personal loan from XXXX. 

LendingClub was a company with a robust online profile who seemed like a reputable lender. 

I submitted my application on XX/XX/XXXX and received a notification asking me to complete my application with the last step being for me to verify my bank account with a voided check. 

This enabled me to view a Truth in Lending Disclosure so my wife and I could discuss whether or not we actually wanted to proceed with this loan. I can not view this disclosure until I complete my application. LendingClub considers a completed application grounds to fund the loan immediately. That is not clearly disclosed. 

On XX/XX/XXXX I received an email saying my loan was approved and it would be funded in 2-3 business days. Being a XXXX funds were not deposited until XXXX 

LendingClub says that loans may be cancelled within 5 business days of the loan being funded. 

They do not provide a way to cancel your loan within any of their disclosures. On their website they say I may cancel a loan from Monday-Friday from XXXX - XXXX XXXX time. 

The money came into my account on XX/XX/XXXX. I called in on XX/XX/XXXX because I was not able to call on the XXXX and XXXX. The representative said my loan will be canceled. 

Money was not withdrawn from my account. After following up twice LendingClub on XX/XX/XXXX & XXXX will not cancel this loan because they say I needed to call in and cancel on XX/XX/XXXX. Any time after is considered more than 5 calendar days. 

Repeated requests to speak with a supervisor were delayed with excessive hold times and they promised email follow up on XX/XX/XXXX which was never provided. 

How am I supposed to understand my true cost for taking out their personal loan when doing so commits me to moving forward with their financing product. 

As a XXXX XXXX XXXX it is shocking to see that this company is not required to evaluate my ability to repay the loan. A simple debt to income calculation would indicate this as an unreasonably high cost product the manner in which the funds are distributed are intentionally predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ive tried to deal with the credit bureaus on these matters in several occasions there is fraudulent info on my report and im going to sue due to no other recourse

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 2018-09-09
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A couple years ago we Navient to see how we could lower our monthly payment. We were told by multiple reps that we were on an interest only plan and it was going to change to a much higher payment. We were told on multiple occasions that there wasnt an alternative option until we finally spoke with a rep that was able to place us on an extended payment plan to lower our payment but said it would add 15 years to our repayment schedule. We were told there may be other options available but they would need to speak with the borrowers parents to discuss ( we were XXXX at the time and no longer dependent on our parents ). We were told that we could always change our plan at any time. In XX/XX/2018, we called in because our payment had increased by over {$50.00} in the past 2 years. The rep did some digging and came back only to advise us we were on a variable interest rate. We were never told we were on a variable interest rate plan until we called in XX/XX/2018. We never questioned it because our payments only increased by very small amounts. We asked if we could move to a fixed repayment plan and were advised its not an option unless we lower the repayment period ( and it would significantly increase our monthly payment ). The rep told us on XX/XX/2018 that our payment would never go higher than {$440.00} based on her calculations. As of our XX/XX/2018 payment, our payment was {$440.00} ( and was {$440.00} again in XXXX ). Our payments continue to increase and we fear it won't end. We are tired of being lied to and tired of being tricked to believe what this company tells us. I've attached our payments to this company over the past 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had noticed on XX/XX/XXXX that my student loan principal had gone up unexpectedly. Upon reviewing my account I noticed that since XX/XX/XXXX my payment plan was changed without my authorization. On XX/XX/XXXX I called Navient to inquire about why my student loan payments were only being applied to interest and not principal. I was unable to gather any information from the Navient representative other than I had {$1000.00} worth of unexplained unpaid interest and that I was on an income based repayment plan. I emailed the company that evening to attempt to gather more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Investigation took more than 30 days

Complaint:
I have a fraudulent auto loan and a bankruptcy showing on my credit file. I provided an official police report and the bureau told me that they could not accept it and or remove this from my file because the report didn't have a logo on it. I call the detective that is handling my case and he even told the representative that it's an official report with a seal. Nevertheless the bureau wouldn't accept it. I told the my file must be mined with someone else. These items on my file are hurting my credit. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint on XX/XX/XXXX to the CFPB regarding collection efforts by Sequium to collect a debt after I sent a validation letter and received no requested documentation in response. The initial complaint and the Company 's response are attached to this complaint.

As of today, XX/XX/XXXX, I have still not received any documentation in response to my validation/ dispute letter. However, Sequium is now listed as as a collections account on my credit report. The Fair Debt Collection Practices Act prohibits efforts to collect a debt when the debt has not been validated, if the supposed debtor requests validation of debt within 30 days after the first debt validation notice is received ( I have, see attached ). These efforts include listing the debt on the supposed debtor 's credit report. 

Further, the listing shows that the collections account was reported to XXXX  on XX/XX/XXXX, only three days following their response to my CFPB Complaint, in which XXXX XXXX states " The account has been placed in a disputed status and verification of the debt is being requested from our client and will be mailed to the address on file. Collection activity will cease providing you time to receive and review the validation of the debt provided by our client. '' I never received any verification of debt via mail or otherwise. Also, listing the collections account is, by definition " collection activity '' and due to the timing, I suspect it may have been in retaliation to my CFPB Complaint. A remark on the listing even notes " meets FCRA requirements '' when this is clearly not the case. 

This is illegal and predatory in the best of times, but during times as vulnerable as a global pandemic should be taken extraordinarily seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ( FCRA ) -- > XXXX XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-03-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo holds escrow on the property to pay property tax and insurance. I received a letter dated 7 days before the insurance was due that they had not received the declaration page from the insurance company. When I logged into my insurance provider, the bill had not been paid and it was 8 days past due. 

I paid the bill and called Wells Fargo. After calling 2 different numbers and having to call back twice, finally reached a person. I explained the situation. They verified they had all my correct contact information for mobile number and email. They said they only contacted insurance company to try to get the bill. They did not contact me at all other than the letter that reached me AFTER the bill was due. 

I requested a refund of the insurance payment and they told me I would have to contact the insurance company. I told them I wanted a refund from the escrow and I also wanted to hold escrow going forward because I did not trust them to pay my taxes and insurance. 

After being transferred to 2 other people ( and almost an hour later ), I finally spoke with a supervisor. She told me it was the mortgage company 's policy ( they service the loan for XXXX XXXX ) that the load must be 2 years old. 

What are my options? I don't trust Wells Fargo and I don't have the time to deal with this situation on a regular basis. I need the insurance money paid back and I still do not know if or how they will do that.

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 2017-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was money on my card, and I purchased things but the transactions did n't show or approve the amount s in two da ys. I have an app which sends my money to my card but it 's not processing my payments because my transactions from the bank are n't being successful, it still says processing.

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 2017-06-16
Company: EQUIFAX, INC.
State: TN
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:
Spoke wit h Equifax over the phone on  XXXX / XXXX / XXXX  about an error on my report regarding a false claim that I owed a medical bill. I was and am still currently on social security  XXXX . Medical procedure was covered, and this was dismissed from court last year,  XXXX .  XXXX   XXXX  is the debtor. They have no claim to this charge as it was fully released. I have proven this with all   XXXX   credit agencies, including Equifax. Equifax removed the false court judgement after investigating, but left  XXXX   XXXX  as a current collections account. This is the same collection account. It should not have been duplicated on the credit report. They agreed after investigation to remove it, but only removed half. Now, they told me I had to reopen a dispute on  XXXX / XXXX / XXXX  for the incorrect information that they already agreed to completely delete, so that I have to wait another 30 days.

Company response to consumer: Closed with explanation