BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: OneMain Finance Corporation
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting to all three credit bureaus ( XXXX  and XXXX ) on my consumer credit report multiple conflicting and inaccurate information, including various account types, dates, credit limits, and payment history. The mentioned credit bureaus are also reporting these inaccuracies. I have requested proof with a signed contractual agreement from the company and disputed these inaccuracies with the credit bureaus but received vague verified responses with no proof and continued attempts to collect. It is my right as a consumer to dispute any and all inaccuracies and request appropriate validation of any accounts. These inaccuracies are in violation of the following laws : FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre ; US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan ; FCRA Section 623 ; CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 ; and FCRA Section 611 Part ( A ) ( 1 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08
Company: Accounts Receivable Inc.
State: OR
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:
XXXX XXXX  XXXX  Accounts receivable {$2800.00} I have never leased through this company I have attempted to clear this up with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Io, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Earlier this year I got a call from a collection agency " Receivables Management '' about money I supposed owed XXXX XXXX. They said I owe them {$40.00} but I would have to pay them {$80.00} ... and they said there was some {$40.00} collection fee. 

So I called XXXX XXXX to verify the debt. They claimed that I owe them the {$40.00} from a medical visit in XXXX I believe. I think that's when it was I'm not sure, but that is not the issue here. But first I DO need to tell you that XXXX XXXX told me that they sent me out a text that they were going to charge my card, and then they tried to charge my card. I had changed banks and gotten a new card so it must have not gone through, but I NEVER got a text from them. When I asked the lady on the phone why they didn't try to call me to get in touch with me about the debt, she said in a very toxic tone " Sir, We don't make phone calls. '' Well if you don't make phone calls how the heck you expect to get paid? 

I was not happy about that but I told her I want to pay the debt that I was convinced was genuinely my debt, but I'm not paying some ridiculous collection fee because they did not make any effort whatsoever to contact me before sending me to collections. 

Fast forward to now, I have a collection on my credit reports for {$40.00} from the collection agency that put that on my credit reports and is screwing up my credit. This can not be legal first of all I have NEVER heard of a collection fee being charged to a person sent to collections, and second of all they never contacted me once. I am pretty sure that a creditor MUST contact the debtor to try to get payment before sending them to collections. When I was younger I made a lot of mistakes and was send to collections a lot and it was only to pay what I owed. As you can imagine I and on the straight and narrow now and I want to avoid collections, especially ones that are invalid! 

These people will not budge and they keep telling the credit reporting agencies that the debt is valid when it is not! I am not responsible for the irresponsibility and laziness of a company that doesn't even try to get a hold of customers to tell them they owe money!!!! That's on them. And if the collection agency wants {$40.00} let them pay it! 

I want this off my credit report. I'm trying really hard to improve my credit and I'm working against past irresponsibility on my part. 

PS : The address for Receivables Management is listed here because you have no other place to put it and when I said they aren't the place the original debt came from you ask me for XXXX XXXX 's address but not theirs.. RECEIVABLES MANAGEMENT ARE THE CRIMINALS WHO PUT THIS XXXX ON MY CREDIT REPORT!!!!!!!! 

Receivables Management Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please see Attached FTC report. Its a number of inquiries on my credit file that doesnt belong to me.

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 2021-04-02
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of fraudulent/inaccurate items of this account reporting on my credit file. I have sent several disputes via mail to try and resolve the problem. My rights as a federally protected consumer are being violated pursuant to the Fair Credit Reporting and and Fair Debt Collection Privacy Act. I have filed a complaint with the Federal Trae Commission and my rights are still being violated. My general reputation and my ability to obtain credit is being tarnished. I need to have these account removed from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a check from a " company " that was get me on board. The check should be used to pay all the required to accomplish the remote work. After I received the check they requested me to deposit on my bank account. I did it. After that, they requested me to send a XXXX transfer to an email address. I setup this as an business account and try to send the transaction. They tall me that they didn't want to make the transaction as a business. So, in the middle the bank calls me about the transaction and I just canceled it. Then, they requested me to transfer to another account and I said that I have to verify the check with my bank. I got to the bank and had a meeting with a representative. I told her that I think that this check is illegal. She talked to me that I have to call the online services because I did the transaction through it. I called to the online services phone and told them that I suspect that this check is illegal and that I don't want those funds. Today, the bank sent me an email saying that my account was canceled due to this check. I really don't understand, if I did the correct things why the bank is doing that kind of thing. I think this will affect my score so I need to know what can I do.

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 monetary relief
Consumer complaint received 2021-11-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this account ( XXXX XXXX ) with the creditor, as well as with the bureaus that are continuing to list this account. This account was closed years ago and XXXX is still continuing to show the account as open on my credit report. Numerous disputes have been filed and the dispute letters return back to me stating the creditor XXXX XXXX verified that this information is accurate. This information in NOT accurate. The account is CLOSED!!! Why are they continuing to list this account on my credit report as an open account. I demand for this account to removed from my credit report immediately or I will sue both XXXX and XXXX XXXX for failure to comply with the FCRA rules. Im tired of this. All this is doing is dragging my credit score down. The proof is clearly herethe account is showing as an open account. 

Experian is also reporting just recently this month XXXX that the account has a negative status. No more reporting on this account should be taking place. Both you credit bureaus are continuing to report inaccurate information. Please stop immediately!!!! I will sue you for this defaming information. Remove it 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 2021-11-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had my wallet stolen with all of my information in it including, Social Security card, XXXX card, credit and debit cards, driver 's license, medical insurance cards, everything. I spent all day yesterday trying to close everything, since I learned the information was on the black web immediately. Experian refused to freeze my account without my buying an expensive monthly protection plan. The other two companies froze my account. The most Experian would do is put a fraud alert on the account without money. 

I've had to close my bank accounts, call credit card companies, everything. 
I was unable to reach Experian by telephone, because it was the weekend. 

Thank you, 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: SYNCHRONY FINANCIAL
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:
NO WAY TO CONTACT SYNCHRONY BANKS RECOVERY SERVICE CENTER NEED THEM TO SUBMIT XXXX C FOR EACH COMPANY ATTACHED TO MY NAME, XXXX  SICKNESS TOOK ME OUT FOR YEARS NOONE MONITORED MY ACCOUNTS FOR ME NEED XXXX C FOR THE FOLLOWING COMPANIES AND ANY OTHER CREDITOR. I PRETTY MUCH LOST EVERYTHING TO THAT XXXX SO I AM HERE TO CLEAN THIS UP. FOR ALL BUSINESS DEBTS THEY NEED TO SUBMIT 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 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America out of fraud allowed or opened a account in my name on XXXX XXXXcalled bank of America .would do nothing without a pin number which i do not have

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 2021-04-01
Company: C.Tech Collections, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Copy of Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX/ $ XXXX XX/XX/XXXX XXXX  SELF REPORTED XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXX XXXX  XXXX XXXX $ XXXX XXXX XXXX  XXXX $ XXXX XX/XX/XXXX XXXX XXXX- XXXX $ XXXX XXXX XXXX XXXXXXXX $ XXXX XX/XX/XXXX XXXX XXXX  XXXX $ XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a check for XXXX from a business I thought was a scam. Since my research of the company ( via XXXX ) on the check came back the business was legit I held onto the check for about a week. On XX/XX/XXXX I took the check to my bank ( BMO Harris Bank ) and asked if I deposited it and it bounced am I out the bounce fee of {$12.00}. The rep said yes. Because of this I pulled over and called the bank that the check was from. They confirmed that yes there were sufficient funds to cover the check. I then went back to the bank and deposited it. I waited another week to make sure the check didn't bounce. At this point I texted back the issuer of the check who told me to send them {$1400.00} back and keep the rest. Seeing as though I've heard of this to be a scam, I called my bank who would not allow me to send the money. They identified it as fraudulent and froze my account. I was then told by the bank rep I would have to go to a local branch to remove the freeze. I did this near the XXXX. Thinking this was the end of the issue I payed no attention to my account. Then near the XXXX I realized my credit cards weren't getting paid .Then my paycheck didn't get deposited on the XXXX. I FINALLY got through to the fraud specialist who said my accounts still frozen and she doesn't know till when. I am now without any financial means. My three credit cards and checking account is shut down and I have not received my paycheck. 
I explained I did my due diligence to confirm the check was good. The bank put the money in my account, I didn't spend any, thinking it was fraud, I brought to their attention and told them the crooks have no link to my account or any financials, they froze my account because of what " I '' brought to their attention. Now after having this account at this bank for at least 20 years the fraud specialist says I need to open a new account, my funds are frozen. She also went on to mock me that I " c'mon your a grown man you should know better '' Also '' YOU sir are the one that started this problem ''. She then went on to give me a list of transactions on my account " you don't know about '' due to the register reading different amounts from her screen to mine.According to my register I should have at least {$500.00} in my account. She says its about - {$500.00} and at the end of the investigation if there is any left they'll send me a check ... .and BYE.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-04-28
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2021 - AmeriSave issued me a ( LE ) - '' Loan Estimate '' after gathering my information and pulling my credit scores. 

XX/XX/2021 - AmeriSave issued a ( CD ) - " Closing Disclosure '' to me that matches the LE However, on XXXX XXXX. AmeriSave send me another CD with an increase of {$1000.00} in loan fees showing as " points fee '' which was never disclosed on LE. 

I tried to contact the loan originator " XXXX XXXX XXXX " and AmeriSave sales Manager " XXXX XXXX '' and was not be able to get a valid reason why the point fees was suddenly added to my closing cost. 

XX/XX/2021 - Mr. " XXXX XXXX '' called me at XXXX EST to offer cover {$500.00} of what they have increased in loan fees and said that's the best they could do. 

There has no significant changes in circumstances on my side, I don't believe the loan fees should be increased just because later the lender decided want to make more money than they originally offered. 

There are many lending options out there and the only reason I made an important financial decision to refinance my property with AmeriSave and paid an appraisal fee of {$500.00} upfront was based on their best offer. I feel deceived when I found out that they decided not to honor their best offer or Loan Estimate after they gained my business. 

The way AmeriSave conduct their businesses and how they treating their customers completely destroyed my trust in this lender and also made me want to findout what's our rights in fair lending as a customer. Loan Estimate is supposedly for Good Faith and I wish AmeriSave could have more of good faith to their customers. 


LENDER AmeriSave Mortgage Corporation NMLS/GA LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX NMLS/GA LICENSE ID XXXX XXXX XXXX Mortgage Sales Manager NMLS ID # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: PA
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 am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I did a loan modification and they decided to foreclose on the property I got hud involved and they said they made a mistake and let it slip through the cracks and backed out. They added a lot of money to my loan and a 50 year term. My current mortgage lady told me that was the most fraudulent loan shes ever seen and shes been in the business for 20 years. I sold the house over the summer. Property address XXXX XXXX XXXX XXXX va XXXX. Thanks 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