BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I still have not received requested original loan origination documents regarding the letter I wrote on XX/XX/XXXX to Wells Fargo. My letter was in full detail in regards to the documents that I requested as well as notarized and proof of services as well sent to Wells Fargo. I ; m again requesting all documents and, original check payments made by me from XXXX to XXXX as well as all original loan documents. As well as the actual lender of the VA home mortgage loan There are several discrepancy 's and deceptive mortgage practices and fraudulent activity regarding my mortgage that has been discovered. 

Another thing I want to point out is that my last complaint to the CFPB, Wells Fargo stated that they needed to talk to Mr. XXXX the attorney on the foreclosure case that Wells Fargo dismissed and then release the mortgage to me. However Mr. XXXX was my attorney on the case. Wells Fargo had there own attorneys who were XXXX, and XXXX who stated I was the owner of the home free and clear. Then later a different story emerged as to the home ownership of my home. The fact that Wells Fargo needed to speak to my attorney Mr. XXXX first before responding back to my Consumer Financial Protection Bureau complaint back in XX/XX/XXXX is very strange to say the least. Meaning that something happened, or a deal was made with my then attorney Mr. XXXX and Wells Fargo that i'm not aware of as to what it was. As well as to corroborate whatever story or deal that was made regarding home ownership. I'm also requesting Wells Fargo to state who is the owner of the home. Meaning is it me or someone else.

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 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX and Transunion is reporting my XXXX XXXX XXXX XXXX is a charged off as a bad debit for {$9900.00}. This is inaccurate, This account was paid in full which is reporting paid 100 % paid off on my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me. It has been a. big inconvenience in my life. I have attached my FTC report below to prove this account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a forebarance for the months of XXXX, XXXX and XXXX but my loan servicer still put through a {$510.00} payment which caused our checking account to become negative in the amount of {$650.00} including overdraft fees, the put it thru on XXXX the XXXX and it is now XX/XX/XXXX, I have asked them to put the payment of {$510.00} back into the checking account but they have not up unto to his point!! Please help me resoulve this problem. My phone number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CRA INACCURATE LATE PAYMENT WITH XXXX XXXX XXXX ACCOUNT # XXXX, AND ADDRESS, NAME, TELEPHONE THAT I DID NOT AUTHORIZED, APPEARED ON MY EXPERIAN CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CarMax, Inc.
State: MS
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 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous Carmax tradeline on my XXXX and XXXX report to no avail. Even though XXXX successfully removed the erroneous tradeline after 1 request, XXXX  and XXXX have failed to do so. I have sent several requests to XXXX and XXXX  requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 4 different occasions. My rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: DISCOVER BANK
State: MS
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 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous Discover Card tradeline on my XXXX report to no avail. Even Discover Card has reported to me that they requested that XXXX   remove the tradeline from my XXXX  credit report. However, XXXX has failed to do so. I have sent several requests to XXXX   requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 7 different occasions. My rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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: Information belongs to someone else

Complaint:
My issue is with Equifax acknowledgment that I am a victim of identity theft. I have submitted documents required to have information removed from my credit file. I was told by Equifax fraud agent on XXXX XXXX, 2019 that accounts would be blocked and removed with Identity theft report displaying the accounts in question. I am reaching out to consumer financial protection bureau to assist me in resolving the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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:
Toyota Motor Credit Account # XXXX Date Reported Open : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX This letter serves as a dispute pursuant to the Fair Credit Reporting Act ( " FCRA '' ) 15 USC SECTION 1681 et seq. 

Toyota reporting bureaus : XXXX, XXXX, and XXXX  that I made a late payment on a Auto Loan. 

I dispute this derogatory remark due to the fact that I was never late on a payment. The above named company has failed to provide proof of late payment and the amount of the payment. 

Toyota has to submit to me proof as to when then monies was received by them from me, and also the amount. Toyota also has to provide the their bank statement which supports any date provided as to what date the monies were received from me and were allegedly late. And also provide the required payment dates and late dates. 

1. Toyota has reported and has continued to report such derogatory remarks beyond the statute of limitation to report and continue to report such alleged late payment to the credit bureaus ; 2. Toyota has no permission from me to report any late payment to the credit bureaus without my written or verbal permission. I did not authorize any submission or reporting any alleged late payment to the credit bureaus in violation of FCRA section 604.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was not advised of the high interest at the beginning. I borrowed {$620.00} and have paid {$1300.00} dollars so far and headed toward {$3000.00} to pay back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: NC
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 a complaint to Experian in reference to my Statement, That i am a victim of identity theft. The requested authorization from me. I XXXX XXXX give authorization to Experian to proceed with my complaint.

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 2021-08-09
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$950.00}

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 2020-08-07
Company: Diversified Acceptance Corporation
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed an overcharge by XXXX XXXX  XXXX  with my credit card company, XXXX XXXX. XXXX XXXX refunded me the amount due from XXXX for the deposit i made. XXXX never provided a refund of the remainder of initial deposit, and then sent that balance my credit card company refunded to collections. Not okay. I have repeatedly called M. Leonard and Associates. They say the person i need to speak to is unavailable, at lunch, on vacation. It is absurd. I want to report them for unfair debt collection practices as they will not accept my dispute of the validity of the debt. I have also left several messages for XXXX, and emails, receiving no call backs or email replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: IL
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:
As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added RIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE ALSO BEFORE YOU START THE INVESTIGATION BECAUSE WHEN THERE IS AN OPEN INVESTIGATION, WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS AFTER YOU HAVE COMPLETED THE INVESTIGATION. MY DISPUTE LETTER IS ATTACHED! MAIL ME AND MY DAUGHTER COPIES OF OUR FULL, COMPLETED, PRINTED CREDIT REPORTS TODAY! THEN AFTER YOU START THE INVESTIGATION MAIL US A NEW FULL, PRINTED COPY! WE HAVE ALREADY MAILED AND FAXED COPIES OF THE ATTACHED DISPUTE LETTER ON XX/XX/20 AND XX/XX/20 BUT HAVE NOT RECEIVED A RESPONSE, UPDATE, NOTICE OF INVESTIGATE, NOTICE OF CHANGE, NOTHING! NO FEEDBACK WAS PROVIDED AS OF TODAY 'S DATE!

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 2017-12-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Because I continue to get repeated calls ( usually starting around XXXX & repeated every 2 hours ) up to 5 times a day, EVERYDAY, from Chase Auto Finance stating that I am 2 months past due, I have blocked several of their numbers & kept notices in my phone as evidence of the many, many harassing calls. 
After speaking with several representatives over several months in an attempt to correct the billing dispute informing them that I have my records ( money order receipts/bank statements & their own contradicting statements ) verifying my account to be current, the calls continue. I have a copy of my payment history from them showing where I 've made as much as 2 or 3 payments in one month to rectify this. NOTHING. 
Another issue is that I am also receiving ( conflicting ) statements from Chase & XXXX XXXX XXXX ( who I originally sent payments to ) & problems did n't start until Chase apparently took over. Chase & XXXX even give two disputing pay off amounts which are higher than the balance shown on my statement. 
I 've also received letters from Chase threatening REPOSSESION due to Contract Default.??? ( REALLY ) The agents said it 's computer generated but I told them that humans control the input & do n't understand why it 's taken so long to update my account & get this corrected. Chase & XXXX even give two disputing pay off amounts which are higher than the balance shown on mm statement. 

DATES & TIMES OF CALLS : XXXX XXXX, XXXX First started XXXX XXXX, XXXX.. 
XXXX XXXX, I CALLED BOTH COMPANIES attempting to get bill corrections. 

CALLS STARTED AGAIN & CONTINUES : XXXX XXXX, XXXX XXXX.. 
XXXX XXXX, XXXX ( TWO REPEATED CALLS ) .. 
XXXX XXXX, XXXX XXXX & XXXX XXXX.. 
XXXX. XXXX, 5 CALLS ... 
XXXX. XXXX, XXXX.. 
XXXX XXXX, ( 3 CALLS ) ; XXXX, XXXX & XXXX XXXX ... 
XXXX XXXX, ( 3 CALLS ) Last XXXX at XXXX ... 
XXXX XXXX, ( 4 CALLS ) ; 2 @ XXXX, XXXX, XXXX ... 
XXXX XXXX, ( 5 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 4 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 4 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) XXXX, XXXX, XXXX @ XXXX XXXX ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) XXXX, XXXX, XXXX, XXXX ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS so far already ) XXXX, XXXX, XXXX, XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CAVALRY INVESTMENTS, LLC
State: FL
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:
I WAS VICTIM OF IDENTITY THEFT AND AS A RESULT OF THAT SEVERAL ACCOUNT WERE REPORTED IN MY CREDIT REPORT THAT ARE NOT MINE CALVARY SPV ILLCC # ( CASE XXXX ) ACCOUNT NUMBER # XXXX, XXXX XXXX XXXX THESE ACCOUNT ARE FRAUDELENT AND NOT MINE I HAD REPORTED THESE ACCOUNT TO XXXX IN 2019 OF THE ILLEGALITY OF THESE ACOOUNT AND NOW THEY HAVE SOLD THE ACCOUNT TOA COLLECTION AGENCY CALVARY SPV I LLC AND ATTORNEYS XXXX XXXX XXXX XXXX TAKING ACTION OF SUING ME FOR A FRAUDELENT ACCOUNT WICH IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: MO
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:
EXPERIAN : XXXX : AND XXXX XXXX XXXX XXXX  XXXX ; ACCT # XXXX $ XXXX AND CLOSED XXXX XXXX  XXXX  XXXX ACCT XXXX XXXX {$2900.00} CLOSED XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OFF CLOSED XXXX XXXX ; # XXXX XXXX XXXX OFF CLOSED XXXX/XXXX/XXXX, ACCT # XXXX {$3500.00} PAID OFF CLOSED XXXX XXXX, ACCT # XXXX {$490.00} PAID OFF CLOSED XXXX  XXXX  # XXXX {$360.00} PAID OFF CLOSED XXXX  XXXX  SERVICES # XXXX {$8800.00} XXXX XXXX  XXXX # XXXX $ XXXX OFF CLOSED XXXX XXXX XXXX, # XXXX XXXX XXXX OFF CLOSED XXXX  XXXX/XXXX XXXX, ACCTS, # XXXX XXXX XXXX $ XXXX $ XXXX XXXX  XXXX/XXXX, ACCT # XXXX $ XXXX OFF CLOSED XXXX XXXX XXXX Credit reporting Improper use of your report XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX, AND XXXX XXXX XX/XX/XXXX Closed No consumer response XXXX XXXX XXXX Credit card debt Communication tactics XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX Closed Sent to Regulator FTC XXXX XXXX XXXX Credit card debt Took or threatened to take negative or legal action XXXX XX/XX/XXXX Closed Sent to Regulator FTC XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XX/XX/XXXX Closed Sent to Regulator FTC XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Sent to Regulator FTC Previous Next ADD POSITIVE ACCOUNT ACTIVITY XXXX XXXX XXXX, # XXXX $ XXXX {$2700.00} PAID OFF XXXX  XXXX, # XXXX {$6000.00} PAID OFF XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} PAID OFF FIRST XXXX  XXXX ACCNT, # XXXX {$6000.00} PAID OFF

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 2021-08-09
Company: CCS Financial Services, 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: Their investigation did not fix an error on your report

Complaint:
I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Credit Protection Association, L.P.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CLASS ACTION LITIGATION PENDING A OUT OF COURT SETTLEMENT OFFER BY XX/XX/2019.

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