BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I used to live at XXXX XXXX  XXXX  XXXX XXXX in XXXX XXXX, California. I noticed that the lease that was available on XXXX, the website that this company uses to sign leases, was signed several days after I moved in. I know that I did not sign this lease as I signed a lease prior to moving in and the lease available online is not the same lease as the one that I did sign. The IP address associated with my signature and my cosigner 's signature matches the IP address of XXXX XXXX, who works at XXXX XXXX  XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX are now saying the I violated this lease after moving out and saying the I owe {$20000.00}, even though I did not sign this lease. They have reported this to IQ data International, a collections agency, which is now requesting that I pay them {$22000.00}. I never signed this lease, my signature was forged on this lease by XXXX XXXX, therefore, I am not responsible for paying this amount. 

I have also sent a letter disputing this debt to IQ data international, I still have not received any response or documents from IQ Data International that validate this debt. 

To prove that I did not sign this lease, I have attached the lease that is available on on-site.com, that includes my forged signature ( XXXX  ), so you can see the IP address of the signatures. I have also attached a summary of a form signed through XXXX  ( Summary.pdf ) that has my IP address, my cosigner 's IP address, and XXXX XXXX 's IP address listed. You can compare the two documents and see that XXXX XXXX 's IP Address matches the IP address used to forge my signature and my cosigner 's signature. While my IP address and my cosigner 's IP address are not found anywhere on this lease. In addition to that, the lease with my forged signature was signed on XX/XX/2020. I, however, moved in on XX/XX/2020 and I had signed the lease prior to moving in. You can see in the third document that I have attached ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ), the email I received from XXXX XXXX, confirming that the original lease that I signed was signed by all parties and completed on XX/XX/2020, 2 days before my signature was forged onto to this new lease. 

Furthermore, I am unable to obtain a copy of the original lease that I did sign prior to moving in, since the original lease was removed from XXXX and replaced with this new lease that I did not sign. XXXX has access to this lease and will need to be contacted to retrieve a copy, they have refused to send me a copy, therefore, I am unable to provide a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card
Issue: Billing disputes

Complaint:
I have been making payments faithfully to my Capital One XXXX credit card via phone and via mail each month. The payments are held or not applied to the account and they even tried to get into a closed bank account that I have not used in several months since moving XXXX. The money is withdrawn from my account XXXX and then they claim I did not make the payment. They are clearly taking my money, and then charging me " late '' fees for payments I 've made ON TIME. I talk to their " customer service '' people who then " reimburse '' the late fee and tell me my account is in good standing. And then? I get a bill with ANOTHER late fee on it and telling me I 'm past due WHEN I AM CLEARLY NOT past due. It 's fraud and it 's harassing and I can not stand it any longer. I 've spent endless hours on this and my time is worth {$40.00} an hour. I want them to cease and desist and leave me alone. I 'm not going to pay them a penny more for the XXXX months XXXX they 've put me through and putting me on hold for endless hours and wasting my time. My time is valuable and I 've got better things to do than fight these rotten companies with terrible business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I ( the consumer ) noticed a lot of random inquires on my account that I didn't authorize, i think i may have become a victim of identity theft and want these accounts/ inquires removed. I believe I have a right to privacy and I also think that by having this information on my consumer report is a violation of 15 usc 1681.

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 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Checking my report & I still see some accounts & inquiries I have been disputing is still on my report after 40days. I have not heard anything from The creditors, bureaus, third parties. Computer generated response is not acceptable either & Im tired of you guys keep going against the law. So by written law stated remove these inaccuracies off my credit file permanently 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 2016-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
CAP ONE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAP ONE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAP ONE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
Capital One is reporting late payments on an account I have with them. I 've requested they show me where I was late by providing with proper statements etc. They continue to pass the buck claiming its my responsibility to provide them with records. I 'm not the one reporting the information. I would like the late payments being reported updated to a positive status & the negativity removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I received an e-mail that there was an e-mail change for my online banking account. Immediately after receiving that, I logged in and noticed that my account was in a suspended state as a transfer had taken place of approx. {$900.00} to an unknown recipient. I received a call from Capital One 360 security and discussed the situation which resulted in my account being completely locked down and I no longer have access. This was on XXXX/XXXX/2016. I have tried calling every day and have been on hold for over 2 hrs several times without reaching a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called Wells Fargo at XXXX pst on the XXXX of XXXX and filed for a stop payment on XXXX XXXX merchant. They said OK and sent me a letter with approval that I have in my possession. On XX/XX/XXXX, they allowed the transaction to go through and charged me overdraft fees saying 3 business days was needed when that was never conveyed during the call on the XXXX but that was still 3 business days prior regardless. I attempted to stop payment through the merchant a week prior but they refused to honor it, which is why I went through Wells Fargo who is supposed to work for the customer, not the merchant. I also requested they stop all ACH payments while the account was overdrawn but they said they couldn't ( which they did weeks later and i have proof of that as well ) Wells Fargo 's representation continues to lie and stretch truths to better themselves and relieve all accountability. They're very deceitful and are great liars when it comes to stealing money by making excuses to over draft one 's account.

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 2017-12-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have tried to take XXXX euro 's from my Coinbase account via XXXX to my bank account in the XXXX and have not received my money. Promised date of arrival was XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: SN SERVICING CORPORATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i want to know why thee is no help for people who have a fha mortage assitant program for people who behind with mortage payments who was behing with payments because they lost there income for 9 months because of pandemic but they have arental assisant program in sc for renters but none for people with mortages who facing the end of moritorim end of XXXX to keep there house out of forclosure give them a light line of people who had there house for 15 yrs or more facing this dilemma wrote XXXX XXXX no anwer in 2 months from white house on helping

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have no knowledge of this account and it shouldn't be on my account. 

The above complaint was sent to Experian on XX/XX/2022 and it is currently XX/XX/2022 and their investigation is still ongoing. According to the Fair Credit Reporting Act if an investigation takes longer than 30 days the disputed information should be removed.

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 2021-07-29
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:
This is my second complaint with the CFPB regarding the inaccurate information on my credit reports. I sent a request to investigate inaccurate accounts on my credit report on XX/XX/XXXX. It's been 45 day plus since I sent my inquiry, its now XX/XX/XXXX and I have not received a response nor have it been resolved with the credit bureaus or the CFPB. I want to finance a home but the inaccurate, erroneous information on my credit report is stopping me from achieving that dream. My first complaint with the CFPB was closed because the credit bureaus is not taking my complaint seriously. My next step will be filling a lawsuit, if this isnt resolved immediately!

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 2020-03-30
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This was a used auto loan obtained in XX/XX/XXXX with monthly payments of XXXX and a down payment of XXXX dollars. The amount financed XXXX. I paid over XXXX in payments in 50 months and had an accident and total loss of the vehicle and my insurance paid the company another XXXX dollars and they got the totaled vehicle back to repair and sell at auction, and I was told what they sold the car for would be applied to the loan balance still owed. I paid this company a total of about XXXX for a 7-year-old car ( XXXX model ) financed for XXXX in XXXX, and now 5 1/2 years later they are reporting on all 3 of the credit bureaus that this loan was a charged off bad debt of XXXX still owed to them. I'm in shock that loan companies like this one in California are still in existence and trying to get away with fraudulent lender practices in our country with all the laws in place to help protect consumers. I had a XXXX Accord for about 4 1/2 years, that I paid XXXX dollars for that actually cost XXXX and now I have no vehicle and bad credit saying I still owe XXXX on a now 13-year-old car that I don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX - we sent {$100.00} through XXXX Went to correct account. 
XX/XX/XXXX we sent {$270.00} to same number and money wasnt received XX/XX/XXXX - sent {$1.00} to same number again and money was received. 

XXXX will not provide information on why the 2nd transaction wasnt received and have denied our claim that there was a glitch or problem with system. No explanation no conversation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our regular monthly payment for our mortgage ( same payment as we've always made ) XX/XX/XXXX was mis-categorized as an early principal payment. 

Our monthly payment ( due XX/XX/XXXX ) then began to show as past due in the web portal. We were not informed of this, but had to discover it ourselves. 

We called and were told by a representative that this would be corrected, but it wasn't and we had to again discover for ourselves that it was not ( again through the web portal ). A second representative told us the case had been closed with no action taken. 

It's also pertinent that Chase 's web payment form *asks* whether you'd like a payment applied as normal or as " additional principal '' and their system recorded that we did *not* accidentally select that option. 

It's extremely convenient that Chase would determine that, the very month the US Treasury yield shot above our mortgage interest rate, they would decide for us that we should seek an early payoff despite our telling them otherwise on two occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: INTERFIRST MORTGAGE COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I got my identity stolen n my irs  n XXXX XXXX XXXX XXXX  account s stolen havent filled taxes since XXXXn I been in a XXXX  n have proof of it pls help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans are demanding {$3000.00} or they are going to take our home. First of all we do not owe them XXXX we have been paying extra since our chapter XXXX and they are still saying we owe {$3000.00}. Chapter XXXX has paid them XXXX because they said we were behind XXXX payment. Then they approve us for a modification XXXX XXXX we filed chapter XXXX then but we thought we had the modification so we paid for a year the modification amount which they never told us they took it away so XXXX we paid extra to catch it up now it is all caught up and they are still saying we owe over {$3000.00} we do not want our home taken a way. Our mortgaged loan got sold three times. From XXXX to XXXX XXXX and now Caliber Home Loans they are frauds get us for more money that we do not owe please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: MI
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:
Been contacting creditors, bureaus, third parties after 45 days I still have not seen or got a written response. A computer generated response is unacceptable. Remove this bull off my credit file you keep going against the law. Its clear! You guys are not following your written statements so In this matter before things get worse and legal remove these inaccuracies now! I dont even understand how could this happen I didnt give anyone any consent to access my file man XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Had to file for bankruptcy due to financial problems. The mortgage loan, M & T Bank hold our VA loan. Ever since then the mortgage lender continues to increase my mortgage rates. They have not and will not work with me on any of this. They put my home in foreclosure status. I had to find help with a bankruptcy claim in order to keep our head above water. Have been out of work due to COVID and still they do not care. They keep increasing my mortgage amounts. This company does not work with anyone, they told me they want their money or they will foreclose on my home.

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 2022-08-04
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I accepted a forbearance plan offered by my mortgage company Loan Depot. Forbearance plan ended XX/XX/XXXX. At the end of my forbearance plan my loan was sold to a different division of Loan Depot. I tried and tried to make payments but was not allowed because they needed to do loan modification and give me a new payment to make. They couldn't give me an amount to pay or tell me where to make a payment because they weren't done transferring my paperwork from the first division. Months went by with no communication and when I called I would get the same answer. We are still working on your loan we should have answers soon. They sent me more paperwork to sign regarding my forbearance in XXXX. To which I signed and sent back. Now we are in XX/XX/XXXX and the answer I received after multiple phone calls was that " you should hear something from us by XXXX or XXXX ''. I called during this time because I am now getting people coming to my house trying to buy my house because they say it is in foreclosure. I called loan depot at the end of XXXX once again. Customer service did not see anything about foreclosure in my loan notes. Yesterday when I got home from work I had a card on my door saying we just bought your house at auction. I called loan depot this morning and after many times on hold and customer service rep scrambling. This is true. They sold my house without letting me make payments after my forbearance ended. I have been trying to make a payment with Loan Depot since XX/XX/XXXX. I am now being told they can not help me because they no longer own my house. They sold to an investor named XXXX XXXX with XXXX. XXXX in TX, XXXX. I have no idea what to do now. I have been in this house for 16 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: IA
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:
Equifax is violating my rights under the HIPAA Law. Correct this matter or Ill be seeking litigation against all involved!

Company response to consumer: Closed with explanation