BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: Comerica
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
THE PURPOSE OF THIS COMPLAINT IS THE FOLLOW UP ON CASE NUMBER XXXX. 
THE COMPLAINT IS AGAINST COMERICA BANK. 
THE PERSON CONTACTED WAS XXXX AT ( XXXX ) XXXX XXXX. 
MESSAGES WERE LEFT ON XXXX XXXX 2015, XXXX XXXX 2015, XXXX XXXX 2015. THERE HAS BEEN NO REPLY TO DATE. 
THE INITIAL RESPONSE FROM THE RESPONDENT IS NOT SATISFACTORY. 
THE FIRST RESPONSE OF THE RESPONDENT IS NOT AVAILABLE. 
COMPLAINANT TRIED TO LOG ON TO CFPB ACCOUNT BUT THE SYSTEM DID NOT ALLOW ACCESS TO THE DOCUMENTS. 
CFPB WAS CONTACTED BY PHONE ON XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: IL
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 have no knowledge of this debt ( XXXX XXXX XXXX ) XXXX I have no of this debt ( XXXX XXXX XXXX & XXXX My identity was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit 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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a renewed complaint concerning my ongoing dispute with Wells Fargo Bank. I recently engaged in another conversation with them, lasting for approximately 50 minutes. In this call, Wells Fargo informed me that they have initiated the processing of four disputed transactions, providing the following claim IDs : XXXX XXXX XXXX While this may appear to be a step forward, a significant concern remains unresolved. When I inquired whether I would be required to make payments for these pending claims in the next billing cycle, Wells Fargos response was far from satisfactory. Instead of providing a clear answer, they transferred me between multiple departments, leaving me without a resolution. Ultimately, I was informed that these claims are still pending due to allegedly missing documentation. 

I must emphasize that I have diligently followed Wells Fargos prescribed process, reporting each claim over the phone and promptly supplying all requested information based on their inquiries. Despite my full cooperation, they continue to delay and avoid processing these claims. Their assertion that I havent provided necessary information is perplexing, considering that I possess the claim IDs as evidence. 

This situation strongly suggests that Wells Fargo is intentionally delaying resolution, allowing these claims to linger indefinitely. It is evident that their actions do not align with their stated commitment to promptly and transparently resolving disputes. The banks inability to address these claims raises serious concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, especially when they possess the requisite information, is both disheartening and unjust. 

In light of this, I implore the relevant authorities to intervene and oversee Wells Fargos activities. The banks behavior warrants a comprehensive investigation and appropriate measures to ensure they adhere to ethical practices and treat their customers with the respect they deserve. 

I sincerely appreciate your attention to this matter and your role in safeguarding consumers rights. 

Sincerely, 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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2019-10-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
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:
Toyota Motor Credit is freshly reposting a charge-off of {$13000.00} to my credit report, inaccurately reporting a " recent '' Charge-Off ( CO ) repeatedly. A 2 year payment history is showing OK payments XXXX - XXXX and a CO at the end of XXXX in error. Any charge off would have been from approx. XXXX and I was never given an opportunity to settle this account nor did I receive any written notification of negative actions. I believe this to be an unfair business practice and would like to resolve this dispute or have it at a minimum accurately reported on credit reports. 

Unknown account number being reported : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I XXXX went to my mortgage company wanting a modification they give me XXXX saying it was in house I could afford my mortgage then they came back saying the house mortgage is over an give me permanent modification that was to high I ask for a lower interest rate other than the 6 % they give me they said they do n't have to I could not afford the mortgage an it got me behind in my payments. I had to go to my XXXX to get money to try an make those payments an that got me in trouble with the IRS an trying to make the house note left no money for anything else

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, the accounts listed below have violated my rights : -XXXX XXXX  {$720.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$540.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00}, XX/XX/XXXXXXXX XXXX XXXX  {$1200.00}, XX/XX/XXXXXXXX XXXX {$660.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX {$340.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  {$400.00}, XX/XX/XXXX 15 U.S.C. 1681 section 602 A. states that have the right to privacy.

15 U.S.C. 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instruction.

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 2019-10-27
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered your company, AD Astra Recovery Services is reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office and the XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Calvary Portfolio Service representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
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:
On XX/XX/2021 I the consumer reviewed my consumer reports and found the following violations. Pursuant to 15 usc 1681b - Permissible purposes of consumer reports - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I the consumer have never given any of the consumer reporting agencies known as XXXX  TRANSUNION, XXXX  any written instructions about the consumer reports listed in my name, which is a violation of 15 usc 1681b ( 2 ). Pursuant to 15 usc 1681c ( 4 ) they are also civilly liable for placing collection accounts on my consumer report. I am demanding they remove the alleged debt from my consumer reports remit payments to me for violations and apologize. Each consumer reporting agency was sent by certified mail, a written statement, a copy of the law that was violated, and a copy of my consumer 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 2017-12-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
1. XXXX {$51000.00} paid off account. 
2. XXXX account is not mines.

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 2020-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Account ending in XXXX On XX/XX/2020, I received a letter and a fraudulent contract that infringed upon my rights as a consumer. On or about I mailed USAA a Debt Validation Letter and Cease and Desist Letter by certified mail dated XXXX XX/XX/2020 and they were in receipt XXXX XX/XX/2020. In return, they sent me the fraudulent contract as an answer to my request. I sent a notarized Affidavit of Truth outlining their violations, another cease and desist detailing my remedy, copies of my exhibits, and an invoice for my violations. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Lac Courte Oreilles Financial Services II
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This company does not loan to XXXX people, people on social security and va XXXX don't qualify, this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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 am writing to dispute fraudulent accounts that are on my account. I am a victim of identity theft. I did not nor was I aware of these fraudulent charges on my credit report. I am asking that these charges please be removed and that I will receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: HSBC NORTH AMERICA 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: Account status incorrect

Complaint:
Hello I have a Credit Card Account with HSBC. 

Current Balance as of XX/XX/2019 is {$3800.00} Minimum payment due date is the XXXX of every month. 

Account has ALWAYS been in GOOD STATUS. Automatic payments are attached to the account. 

Latest automatic payment was returned. In order to comply with due dates i made several payments within the 30 days period. 

On XX/XX/2019 HSBC reported the account 31 Days Late to the Credit Bureaus despite payments made withing the 30 days period prior to reporting. 

The issue appears to be the MINIMUM AMOUNT INCORRECTLY communicated by HSBC to me : Minimum Amount indicated to pay was XXXX . AMOUNT SPECIFICALLY REQUESTED BY HSBC, CAN BE CONFIRMED ON STATEMENT AS WELL Correct Amount was supposed to be XXXX $ - NOT REQUESTED SO - The 3 $ discrepancy incorrectly given by HSBC to me resulted on late reporting to the Bureaus. 

Multiple recorded attempts were made specifically to avoid any late reporting, both by automated system and directly to costumer service. 

NO LATE FEE WAS EVER GIVEN DUE TO THE FACT THAT THE ACCOUNT WAS NOT LATE AT ALL. 

NO LATE FEE IS INDICATED AT ALL ON ALL STATEMENTS HSBC is responsible to remove the 30 DAY LATE reporting to the credit agency. 

Documents, including confirmation of payments, statements and specific detailed payments made withing the 30 day period are attached. 
Also credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: NATIONSTAR MORTGAGE LLC
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, I got a letter from Nationstar saying I was 8 months behind. The XXXX XXXX, mortgage payment was credited back to my bank account. They XXXX said, I have not paid since XXXX XXXX, then they said, they were missing XXXX, each time I have provided my pay history of payments. Then they said, XXXX missing. I have review pay history and did not find XXXX payments missing. XXXX said, I was not behind prior to sending my loan to Nationstar. I have sent XXXX payments between XXXX XXXX, XXXX thru XXXX XXXX, XXXX. The last XXXX payments have not posted to my account. I have called and spoke to a different person each time. I was in a XXXX from XXXX until XXXX XXXX. During that period I did not get any notification of missed payments. A rep at XXXX advised that they received a payment from trustee in XXXX XXXX, and they returned it to the trustee since my loan is with Nationstar. Trustee stated they do not see a returned payment and they had not information that my loan transferred to Nationstar. 
I believe there are funds that I sent to pay my mortgage that have never been applied to my mortgage. Also, I believe that the primary interest in Nationstar is to have me to refinance the loan. I am not interested in refinance. I will pay whatever I owe. But, I want all funds placed on my account, if I sent a payment in that have not applied to my loan. 
I would like to pay on their website as soon as they free up my loan account to allow me to pay online. I would consider auto bill pay on their website but, again, my loan is not allowed to use that service. I would like to have an individual assigned to help with resolving all of the issues with my account so that I can may the normal monthly payments. 
I filed XXXX to pay my creditors. I was discharged after 5 years of paying ch XXXX in XXXX XXXX. Now, I want to increase my credit score and remove any negative data from my credit report. In good faith I have attempted to work with Nationstar and XXXX to resolve any issues with my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor 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 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 2023-01-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-04-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My with Aurora Loan XXXX was scheduled to be service released to Nationstar on XXXX/XXXX/12. Instead, my home sold ( closed escrow ) on XXXX/XXXX/12. Despite this, Nationstar continues to report that I had a loan with them ( even though the Aurora Loan XXXX record is still reflected on my credit ), and they reported that my account began with them on XXXX/XXXX/12 and was derogatory. They continue to show this on all credit bureaus despite the fact that I 've contested it and shown them that they did not even have servicing at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
They Call me constantly to tell me my mortgage is late because it has n't been received by the XXXX of the month. But it has a grace period and the payment is always paid within that grace period and is never late. We are being scammed by them in an effort to force us to sign up for automatic withdrawals. Our mortgage was sold to them from the original bank we had our mortgage with for XXXX years and we never had a late payment. This company is crazy. They call us almost everyday and are now harassing us at work for a mortgage that had been paid. We recently mailed the payment and they called us to say they never got it. I had to stop payment in tje check and am now being told because it really is late now there is a late fee charged. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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 looked at my current credit report and noticed several discrepancies. US C 1681 i ( 5 ) requires that the bureaus use maximum accuracy, and this has not been displayed in my case. 

My rights are being violated and preventing me from purchasing a home for me and my family. 

These violations come with penalties if not corrected. I'm also trying to figure out how they did a thorough investigation. What MOV was used? It appears they used information from other credit reporting agencies, which is a violation according to FRCA. XXXX, Transunion, and XXXX are all reporting inaccurate information causing me financial harm.

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