BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XXXX BB & T gave XXXX XXXX XXXX two depository Checking accounts without my Signature in the name of XXXX XXXX XXXX, XXXX. This was FRAUD. Once he obtained these accounts he captured XXXX income deposits into these accounts, wrote himself checks made out to CASH, and had them CASHED by local XXXX BB & T branch Tellers XXXX XXXX and others. These checks made out to CASH total well over XXXX from XXXX to XXXX. These statements where directed only to XXXX XXXX home address and not the address of the XXXX. In addition to this CASH XXXX XXXX initiated various LOC ( Lines of Credit ) in XXXX for XXXX with BB & T. He placed this ALSO in my XXXX owned business name of XXXX XXXX XXXX. XXXX. Theres been numerous Complaints filed against BB & T with both the XXXX and CFPB and most recently now the SEC complaint has been XXXX as well. BB & T has demonstrated it Corporate Williness to LIE, Fabricate, and attempt to cover up this FRAUD and even Forged Bank Documents. Cases where filed in XXXX VA, where it was discovered the local Judge had a Deep Family History with XXXX XXXX XXXX which was later acquired by BB & T. This XXXX was asked to Recuse himself from these matters, yet he has refused to do so. BB & T has hired lawyers, who are caught on various Emails Apparently Stalking my house, which has also been XXXX at during the time this was reported back in XXXX and is still ongoing to this very Day in XXXX. BB & T its XXXX and XXXX leadership has demonstrated a direct and open williness to engage in all sorts of Tactics to Deny any rights to " Due Process ''. Its is my further opinion that the SEC should investigate this Bank and should find that my statements a Truth and have well documented Standings. XXXX United States XXXX and the CFPB should report this to the XXXX and proper authorities to investigate and ban BB & T from completing any such Merger with any other Banks giving them more power and control. These are serious allegations and I am stating the Truth and have FACT to back that up in many forms. Too much to even begin to upload here.

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 2019-02-11
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive sent 2 letters asking for proof that this is my account but only received my name and emergency information Info but no signatures or any original documents. I want to see a discharge paperwork or some kind of signature proving that the debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
We had a loan through Wachovia Financial Services beginning in XXXX. We had our own insurance policy per requirement for auto loan. At the end of XXXX, beginning of XXXX we ran into a financial hardship and became late in making the payments. The truck ( XXXX XXXX XXXX ) was voluntarily given back before the actual repossession took place and we were told that when at auction if the truck sold for more than what we owed a refund would be issued. Also if it sold for less we would be responcible for the balance still owed. We never heard anything. Fast forward 10 years later, I receive a letter from Wells Fago stating they want to know who my insurance carrier was for the months of XXXX XXXX to XXXX XXXX. We have moved 7 times since XX/XX/XXXX. Literally 7 times. All of my records from that time period have been lost or still in boxes I am unable to locate. I need to know who my insurance company was for the end of XXXX, or a copy of my loan agreement. Wells Fargo has this information and is witholding it from me, because there is a suit against Wells Fargo for charging customers for auto insurance ontop of the private auto insurance customers like myself already had. I never received a termination notice from an insurance company. I have a reference number with Wells Fargo : Ref. XXXX If I can provide them with my auto insurance information from the time period above, I am due a refund. 
Our loan was nearly paid off and they were not willing to work with us, that's why we voluntarily let them take it. Had I known I was being charged for extra insurance that would have lowered our payments and the repossession may have never taken place. My name is XXXX XXXX, I live at XXXX XXXX XXXX XXXX CA XXXX. During the time I had the loan I lived at XXXX XXXX XXXX XXXX, XXXX CA XXXX. My phone number is XXXX. I have tried everything I could to obtain this information from DMV, CLUE, XXXX, Ca. Dept. of Insurance, a credit report, an online site called XXXX, and now you. Well I have started calling insurance companies to see if I was insured through them with no success at this point. Please, can you help me? I know the information is there, but I can't find it. Thank you!

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 2017-12-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This was a 39 month lease with XXXX XXXX, opened on XXXX. Car was returned around XX/XX/XXXX. I had no late payments, however, Nissan decided to charge me {$7500.00}, for car details. The XXXX XXXX that I leased was recalled by Nissan for defective acceleration & defective breaks ; yet Nissan never notified me while I had the car. The account is over ten years old, therefore, it needs to be removed from my credit report agencies. Nissan closed and charged off the account in XX/XX/XXXX. They transferred the account to XXXX XXXX XXXX which is a Nissan sister company. XXXX XXXX posted imaginary payments for the last 24 months and updated and changed the account status from closed to open and in good standing. However, the balance never goes down. The monthly payments allegedly made are for {$410.00} x 24 months = {$9900.00}, which makes no sense. Since the balance never went down during the 24 month period. 
They are trying to show that I updated the account before the 7 years limit so that the account will never come off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-06-13
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: WELLS FARGO & COMPANY
State: MS
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:
Most of the questions asked were not about my problem! 
My credit numbers dropped significantly because of this problem. 
First off I have two business accounts at WELLS FARGO. 
I applied for a credit card from WELLS FARGO approximately XX/XX/2019. I received a negative response from WELLS FARGO ( approx. XX/XX/XXXX ) stating that I was turned down because ... ... I WAS DECEASED???? How ignorant when I have two accounts with them. 
Please help as it has effected my credit very much

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 2019-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an account in XX/XX/XXXX with Capital one to rebuild my credit. I made more than the minimum. Monthly payment of XXXX to pay off the balance via my checking account on XX/XX/XXXX. This payment was held and claimed for fraud verification. When speaking with a representative on XX/XX/XXXX she implied that payment was returned which is was not. I made multiple payments after but had another issues in XX/XX/XXXX where only one XXXX money order was applied to my account and I was informed via phone call when speaking with a representative my additional XXXX money order was shredded and would not be applied. I escalarws issues and submitted confirmation of the payment via secure document upload then additional money order wash cashed by capital one and both were mailed in the same envelope but one was applied days later. I have since mailed XXXX on XX/XX/XXXX and capital one has failed to apply this payment I have since given confirmation of my payment via secure document upload. They have then on XX/XX/XXXX applied XXXX worth of charges to my card for my XXXX dispute for a payment they cashed making me over the limit while declining further transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Automated Accounts Management Services
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to AAMS LLC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello after recently reviewing my credit profile, I realize there are some inadequacies on my report. I contacted the bureaus to make them aware of unknown inquires. These inquiries were made without my consent, knowledge, or authorization. I sent out a number of letters on XX/XX/XXXX and again on XX/XX/XXXX. I have tried on a number of occasions to rectify the matter at hand with the following : XXXX XXXX XX/XX/XXXX ( Experian XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XX/XX/XXXX ( XXXX ) There is also a company on my report that I do not recognize, do business with, or give consent to to acquire my personal information. This is a direct result of fraud since theyve acquired my information for their own financial gains. I have disputed this account and made them aware they are indulging in fraud knowingly violating my consumer rights : XXXX XXXX XXXX XXXX Its ridiculous how easy it is for these companies to take advantage of me and make me a victim of their fraudulent and unethical practices.

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 2022-08-25
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: Their investigation did not fix an error on your report

Complaint:
I have written XXXX on XX/XX/22 they never sent me any validation on my two letters I sent them regarding the amount of XXXX, and for XXXX. My letters have been ignored by the bureaus ; and they are in Hippa violation as well! These items need to be deleted according to fcra, they have 30 day timeframe and it is way beyond 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 non-monetary relief
Consumer complaint received 2021-11-01
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I've been attempting to resolve issue of two missing payments, amounts of {$3700.00} and {$500.00} plus estimated IRS taxes, for several months with no resolution. Complaints filed with CFPB prior were replied to by either referring back to prior replies which state checks cashed and or address sent to verified or attempt to state the same, address verified and or checks cashed..The checks were sent to my old address after I moved which was in XXXX of XXXX, it appears the person ( s ) now residing at address possibly intercepted, signed and cashed in my name, which I detailed in prior complaints ... Wells Fargo reps claim to have addressed this issue as well, however, have not, prior replies were reviewed and fraud issue not addressed or issue of missing payments. There is mention of a letter signed, agreeing to {$500.00} payment which again, was sent to old address after I moved and was not signed by myself.. Needless to say, reps are unable to refer to signature forged document. Further, the payment amounts totaling {$4200.00} do not cover damages caused by Wells Fargo reps opening accounts I did not need or want, which was also detailed in prior complaints, issue not addressed. I requested a reasonable settlement offer for sustained damages including two missing payments, no offer made to me to date... Still, Wells Fargo reps continually refer back to prior replies which do not address any of above issues... I've called Wells Fargo executive phone bank numerous times at XXXX, given various numbers to remediation dept, all incorrect. In order to locate correct number, I had to call the company whom issues payments on behalf of Wells Fargo, XXXX, given correct number which I've also been calling numerous times, spoken with several supervisors including a XXXX and XXXX, no resolution to date.. Both reps have put in requests to locate payments as well as reasonable settlement offer, nothing done to date. In closing, the CFPB should avoid sending this complaint to a XXXX, XXXX, XXXX XXXX, XXXX XXXX whom appears to be attempting to avoid further contact by refusing to reply ... Also, Wells Fargo should be investigated by CFPB with respect to their handling of this matter and their remediation dept as a whole, they seem to low-ball offers in attempt to avoid paying adequate amounts. The purpose of these complaints is to afford Wells Fargo opportunity to resolve issues directly, apposed to legal action.

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 2020-09-11
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-10-05
Company: CCS Financial Services, Inc.
State: MO
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 am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On two separate occasions, a person impersonating a process server claimed and left notes on the door to a private residence " that a lawsuit had been filed against me to collect a debt. '' I checked with the County Clerk, and no such lawsuit has been filed. The number left on my door -- using hand-written, error-filled sticky notes -- is for a non-local number though claiming to be from the " [ Local ] County Court 'deleving ' [ sic ]. '' The alleged plaintiff is Portfolio Recovery Associates. The alleged number to call scrawled on the sticky notes left at my residence is for a private number in a different state and is not affiliated with any corporate entity or process-server company. I have contacted attorneys in addition to the County Clerk to verify that no such legal proceeding has been filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began to really look at my credit this year and even pay for credit monitoring now when I noticed this collection account from SEQUOIA FINANCIAL SVCS. I disputed the item with XXXX, and on XX/XX/2019, they responded saying it was verified by Sequoia with no supporting documents. I also send a letter to Sequoia on XX/XX/2019 requesting verification as I know the debt is not mine. The certified letter I sent to Sequoia was signed for on XX/XX/2019. I never received any response from Sequoia, they never marked my credit report as being under dispute, which I have screenshot evidence of from my XXXX account, and I have never been able to get anyone on the phone. Instead, they continue to increase the amount they claim I, " owe, '' on my credit report. I waited patiently for some type of response and have never heard a word from Sequoia, so once again, on XXXX XXXX, 2019, I disputed this collection account with XXXX  asking for some type of verification to show this is my debt and I have not heard a word from Sequoia, however, in the last 2 days, XX/XX/2019 and XX/XX/XXXX, they have increased the amount they claim I owe, once each day, almost like a retaliatory action for disputing this item. I expect them to do it again today. They provide no response to my demand for verification, but, they keep increasing the amount of my credit report and now they are doing daily, which they have never done in the past, their past pattern shows them doing it monthly or even weekly, but, not daily. This is absolutely ridiculous and I am prepared to file a small claims claim against this company if this matter is not resolved. I live in California, not far from this company, so I will not hesitate to file a claim/case, however, I want the CFPB to investigate this company and their illegal actions, and I am hopeful it will be resolved at this level before I have to put the time and energy into a lawsuit. Supporting documents will be attached. I have been trying to resolve this matter since XXXX with no response, no response letters, no communication at all, simply ignored, no update on my credit report to show I disputed the item by Sequoia, instead, they have ignored me while continuing to increase the amount they claim I owe. I would appreciate all the help I can get from the CFPB with regard to this company, I want the item removed from all three of my credit reports and I want action taken against this shady company. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Law Office XXXX XXXX. XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation