BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-30
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I request a order to show case after I received a ganishment notice by a company called Calvary Portfolio Recovery. I never Knew about this debt. after sowing to court and challenge the attorney to very the debt we got schedule to trial on XX/XX/XXXX, XXXX on XX/XX/2019, I express that the day they claim such credit Card was open I was traveling to XXXX XXXX XXXX 
The attorney Representing the Company Vacated The case however this debt still showing in my credit Report. 
Here is my Question this debt was not verify how can I get it verify or remove from my creit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Capitol One XXXX XXXX XXXX XXXX VA XXXX Continues to send me unsolicited pre approved offers, although I am on the list not to receive them. I entered my data about a month ago, and was told it would take them 2 weeks to remove, as at that time I informed them to take me off their mailing list.

At the end of last week, I received 5 prepaid offers from them, and called again, They are now saying this will take " about 45 days '' to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: Colony Brands, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: MS
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 sent Equifax evidence of the frivolous accounts they are reporting on my credit report. 
Equifax refuses to properly investigate the errors being reported on my credit report. 

1. XXXX XXXX XXXX XXXX 2. Public Records

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Assured Financial Partners
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this number repeatedly calls my place of employment and threatens me that they are going to serve me papers at my work if I do n't call them, that does n't make any sense to me, since I do n't know what it is about and people do n't call you to warn you that they are going to serve you papers, they just do it ... ... ... ..so this is really bothering me. he is very rude and says his name is   XXXX   XXXX   or something like that and gives a phony court case, which is n't true, not sure what this is all about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is the 15th time in a few months that chase has disappointed me as a customer. I reported an unauthorized charge on my account to which the representative rudely told me I have no right to dispute the transaction due to some asinine 60 day liability policy that they uphold. The transactions were two fraudulent transactions made my XXXX XXXX on XX/XX/XXXX and one in XXXX. Honestly, this is the last time I will complain about this company before I take further ( legal ) action. There is absolutely zero regard for me and my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage Letter dated XX/XX/2018 Resolution inquiry has been doing nothing to address the issue or request I have requested. 
Wells Fargo Home Mortgage keeps advoiding what's requested and keeps on mixing things up that's not upon request that's requested. Wells Fargo also will not address the issue or documents that have been done by Wells Fargo Home Mortgage/ Notary that was hired by Wells Fargo Home Mortgage which is the Documents dealing with the all purpose document that is not my signature nor any page or signature referring to the document nor is that my signature nor did I appear personally. I also see that the notary fill out the entire page and sign my name. Wells Fargo Home Mortgage does nothing more than fraud time after time. But acts as if nothing was done on there part.

Lets stay focus to the request nothing else stop playing games and the run around.

Stop calling at all times of the night playing games Wells Fargo Home Mortgage likes to wait till late at night to call but have all day to call. Its nothing but games with this issue of fraud by wells fargo.

The document that was sign by me had no other document the day as it states I appeared that made the instrument legal which is the loan. The document that is not my signature is in question to why it was sign and fill in afterwards and saying personally appeared.

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 2021-01-23
Company: EQUIFAX, INC.
State: NY
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:
I have several inquiries on my report that are not completed by me, myself. I have disputed several times letting them know that I was in three security breeches and my personal information were all compromised. I know of one inquiry that I completed myself. All the other ones keep popping back on my report even with having my Equifax credit report locked. There should be nothing coming through and Equifax has failed to stop inquiries from coming through on my report. The disputes keep coming back factual. However, these are not my inquiries and they are truly haunting my future of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX took money from me to be a moderator. His name was XXXX XXXX. He never did nothing I lost out on modification now am facing foreclosure because money I gave him was to make a trial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have been noticing since the beginning of my unemployment claim that amounts on my bank of america app were not correct in XX/XX/2021 I went thru statement of deposits added them all and then did same with all deducted transactions there was XXXX dollar missing not accounted for that bank of america XXXX  debit card just made disappear from my account then on XX/XX/2021 I had a availible balance that changed from XXXX to XXXX dollars on XXXX first it had no pending transactions against the amount availible and then to top it off the XXXX  bank card decided to block my card for 24 hours the day after I got paid I was on vacation for my bday and was forced to max out my XXXX XXXX XXXX and they repeatedly blocked my card so frequently I was unable to purchase food and medicine needed for my XXXX  XXXX I am XXXX XXXX now they refuse to give missing money back im am on day three of XXXX  I am XXXX  without my medication this may XXXX  me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-24
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper is my mortgage servicer. Last night they ILLEGALLY and FRAUDULENTLY cleaned my entire account out. The issue occurred on XX/XX/2021. I am actually ahead on my mortgage and this company debited my personal banking account several times last night and cleaned it out putting my account in the negative. This was NOT a legal transaction and this company did NOT have my express permission to do so. Im demanding my money be returned and Mr. Cooper pay closing fees for a new Mortgage servicer of my choosing or I can just take it to small claims court. Ive already submitted a complaint with the FBI and XXXX. Mr. Cooper is refusing to answer their phones and keep hanging up on everyone. THIS IS FRAUD DOWN TO ITS VERY CORE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Resurgent Capital Services L.P.
State: FL
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:
On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company fraudulently claims that I owe them a debt. We have never had a contractual relationship and they have failed to provide lawful debt validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Lending Club Corp
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, with address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and phone number XXXX XXXX XXXX contacted me via a phone call concerning the collection of a personal loan from me, they made me to believe that they were acting in proxy of the original loan company, not knowing that this was false, I made a payment of {$300.00} to them on that day as shown below from my XXXX account of XX/XX/XXXX : XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX IL Card XXXX XXXX XXXX We also agreed that they will making automatic monthly deduction of {$300.00} from my account, they did not make further deduction from my account, i contacted on 2 occasions via phone call, the last was on the XX/XX/XXXX, they never responded to me anymore. I am being sued now by another company that actually the true owners of the loan. XXXX XXXX XXXX XXXX XXXX committed a fraud by extorting money from me in false pretense, I would have found and be paying off my loan and not getting sued if XXXX XXXX XXXX XXXX XXXX had not confused and extorted money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: AR
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:
I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts XXXX  XXXX {$1300.00} XXXX XXXX {$480.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$900.00}

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 2020-07-30
Company: Experian Information Solutions Inc.
State: AR
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:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$29000.00} XXXX XXXX  XXXX {$3400.00} XXXX XXXX {$160.00} 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 2021-06-03
Company: Credit Center, LLC
State: FL
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:
Credit Center , Inc is attempting to collect a debt that does not belong to me. Credit Center , Inc. is reporting a delinquent collection account to XXXX XXXX XXXX XXXX  that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail on XX/XX/2021. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Credit Center, Inc. I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Bread Financial Holdings, Inc.
State: NY
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase bank allowed XXXX XXXX mortgage to withdraw over {$19000.00} from my checking account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to this company via certified letters onXX/XX/XXXX in which they failed to respond asking them to validate this debt. Then pursuant to the recent lawsuit against Santander, I was advised that Santander will be required to cease debt collection on my report due to litigation where Santander was ordered by the courts to pay {$65.00} XXXX to the 34 participating states for restitution for subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX and The settlement also includes significant consumer relief by way of loan forgiveness. My state of NC was one of those participating states under attorney general XXXX XXXX and my loan was also deemed eligible to receive complete forgiveness and relief from this debt. This debt is no longer owed, however upon multiple disputes, Santander continues to verify and validate this debt. This is a direct violation of my consumer rights and this account needs to be deleted from all of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
the information that is being reported is cause by theft i have never applied for these accounts that is being listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
American Express notified me on XX/XX/2021, that it had assigned my account to law firm XXXX XXXX XXXX for collection. I sent a letter to that law firm disputing the debt on or about XX/XX/2021, and demanded validation. I did not receive a response within five days as required by FDCPA ( but was not aware of that five-day time period until I started researching to file this complaint ). On XX/XX/2021, having not yet responded to my validation demand, the law firm filed a lawsuit against me ( electronically ) in my county of residence. On XX/XX/2021, the law firm penned a letter " in response to a debt validation request '' I had made 60 days earlier ; the postmark on the envelope is dated XX/XX/2021 -- nearly four weeks after it filed the lawsuit. I was not served with the lawsuit until XX/XX/2021. However, the mere filing of that lawsuit during a period in which I had requested validation and it failed to provide such, is improper and in violation of FDCPA. Withholding service of the lawsuit until after I had received the validation response does not cure the fact that it filed such litigation BEFORE providing validation. Filing litigation most certainly constitutes taking action to collect the debt during a forbidden period. That lawsuit should be dismissed! 

In addition, the validation did not include a copy of any contract. As such, the account has not been sufficiently validated and should be removed from my credit report immediately, including all past negative reporting.

Company response to consumer: Closed with explanation