BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: AUSSRQ Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debt of interest was incurred fraudulently under my name by my ex-wife during our divorce in XX/XX/XXXX. It was not until XX/XX/XXXX ( post divorce ) that I had learned that a loan was taken out in my name because of the steep decline to my credit score. I confirmed it was my ex-wife, XXXX XXXX XXXX, with the originating lender, XXXX XXXX. Despite the loan had been open for 8 months and no payments had been made, I had never been contacted by the company. I immediately reached out to the company to inquire about this loan and how to access the information, as I had no idea how to even login since I did not originate the loan myself. XXXX XXXX gave me instructions to login consisting of ONLY a temporary password and would not divulge the username/email for security purposes. I had attempted using my email, but to no avail. I then attempted to login with the temporary password and XXXX XXXX 's email, and I was successfully logged in ( see attached screenshot )! It had her personal email and phone number on the account, explaining why I was never contacted and verifying that she had fraudulently taken out this loan in my name - WITHOUT MY PERMISSION. so I promptly filed a police report XX/XX/XXXX ( see attached copy of report ). The investigator later called me and informed me that they could not press charges on XXXX because we were technically married, even though we were in the midst of a divorce and it was against the court orders to take out new loans/debt during that period. Moreover, XXXX paid off her own debts with this loan, abdicating her from any debt whatsoever from the divorce... Fraudulently leaving me liable for everything. I had filled notices with the credit bureaus and filed a case with XXXX. 

I followed up with XXXX XXXX on the matter and their ID theft/fraud division never responded to my requests to investigate the validity of this loan. Despite my efforts with XXXX and sending formal notices/requests, I did not receive information back from the company. I later made multiple dispute attempts with the credit bureaus and even hired XXXX XXXX XXXX to assist with removing the item from my credit. XXXX actually removed this from my credit, while XXXX and XXXX still have conflicting information on the debt ( XXXX XXXX vs. Oliphant ). Later in family court litigation, she called my attorney on the phone. The loan issue came up and said she promised to repay it ( this was recorded with XXXX XXXX with XXXX XXXX XXXX ). 

I recently learned of Oliphant filing a civil case against me in XXXX XXXX, Texas. I received one phone call from them explaining all of this information within the last 12 months ( approximately ) and was informed by the caller she would remove me from their call list altogether after the information I provided. I have not received any other form of communication from Oliphant, and have begun a new XXXX case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: New Century Auto Sales, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/2023 I went into RightWay Auto Sales to engage in a credit sale pursuant to 15 U.S.Code 1602 ( h ) resulting in a consumer credit transaction. After being greeted I went to the salesmans ( XXXX XXXX ) desk and was handed a credit application. After excerising my right to credit pursuant to 15 U.S.Code 1602 ( f ) I signed the credit application. Then the salesman requested my credit card pursuant to 15 U.S.Code 1602 ( l ) and my credit card was an accepted credit card pursuant to 15 U.S.Code 1602 ( m ) by the salesman and he took the credit application and the accepted credit card pursuant to 15 U.S.Code 1602 ( m ) to the finance department of RightWay Auto Sales. Moments later the salesman shouted to me across the room from the finance department to his sales desk, in the public setting questions about my nonpublic personal information pursuant to 15 U.S.Code 6801 to me after RightWay Auto obtained a copy of my consumer report pursuant to 15 U.S.Code 1681a ( d ). After the salesman returned to his desk before seeing any automobiles the salesman requested in addition to my accepted credit card pursuant to 15 U.S.Code 1602 ( m ) an additional downpayment pursuant to 15 U.S.Code 1662 ( 2 ) of at least {$1000.00} USD or more to move forward before beginning any consumer credit transaction. I told the salesman I did not want to extend my credit pursuant to 15 U.S.Code 1602 ( f ) and provide a cash downpayment of any amount. The salesman handed me a copy of my consumer report that RightWay Auto Sales had obtained pursuant to 15 U.S.Code 1681a ( d ) and told me that without the downpayment pursuant to 15 U.S.Code 1662 ( 2 ) RightWay Auto Sales refuses to provide me an automobile on credit. I requested to speak with the finance manager and told her at this time of refusing to provide me an automobile on credit after I completed a credit application and provided RightWay Auto Sales with an accepted credit card, this interaction with RightWay Auto Sales will be construed as unauthorized use of credit pursuant to 15 U.S.Code 1602 ( p ) because I have provided a credit card pursuant to 15 U.S.Code 1602 ( l ) and it was an accepted credit card pursuant to 15 U.S.Code 1602 ( m ) and I received no benefit. She told me my benefit was my credit being run and my credit score is not accepted therefore requiring a downpayment pursuant to 15 U.S.Code 1662 ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2004, Wells Fargo gave me a loan on a condo. The loan was for a condo, XXXX XXXX XXXX XXXX in XXXX CA. The condo cost approximately {$210000.00} and the loan amount was around {$400000.00}, with a balloon payment of {$50000.00} after 5 years. I was a beginning XXXX at the time. I was making approximately {$2600.00} a month with a payment around {$1400.00}. I ended up losing the house despite trying to work an extra job. I just couldn't afford the payment and there was no way I was going to have {$50000.00} in 5 years on a XXXX XXXX salary. I was very young and I kept asking how I was supposed to afford this amount. The loan officer just kept telling me I could do it. I would like to lodge a complaint against Wells Fargo and see if I can recover any of the money I lost due to the foreclosure and making a poor XXXX lose her home. 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 2017-11-22
Company: Green & Sons Agency, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank statesmens had wrong charges on a closed account. 
I made a statement for the bank stated that I did not use the account. 
The creditor agreed to cancel debt and remove from my credit. 

Later another credit collection agency filed the account on all three credit bureaus. 
Named XXXX XXXX XXXX has been reporting this information on my credit. 

They have no proof that I had any debt with them, no identification, no verification, And no signed agreements by me to repay anything or admitting that such debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against SEQUIUM ASSET MGNT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am a XXXX  mother and a minority owner of a business that I founded in XXXX. The journey has been one of determination and hard work. However, the challenges that came with the XXXX pandemic hit my business hard. In the past year, I've found myself in an ongoing struggle to keep the business afloat, facing numerous obstacles along the way. 

As a result of these difficulties, my business account has been teetering on the edge, maintaining an average monthly balance between {$1000.00} and {$2000.00}. Last month, unfortunately, my account dipped below the required limit, resulting in the imposition of two fees totaling {$72.00}. While {$72.00} might not appear substantial to some, for individuals like me, facing economic uncertainties, every dollar counts, particularly during these trying times. 

Hoping for a resolution, I contacted PNC Bank to discuss the possibility of a fee refund. Regrettably, their response was not as empathetic as I had hoped. The situation highlights the unfairness that many individuals encounter in their interactions with financial institutions. Often, we find ourselves in positions where we are not fully informed about avoiding overdraft fees or utilizing available alerts that could help us sidestep such financial setbacks. 

It's my belief that financial institutions should take greater responsibility in ensuring their customers ' financial well-being. They should provide transparent information on how to prevent these fees and offer clear guidance on setting up alerts to prevent inadvertent overdrafts. Such practices would foster a more supportive and mutually beneficial relationship between banks and their customers, especially during these challenging times. 

I understand the crucial role that the CFPB plays, which is why I felt compelled to express my concern. I am hopeful for a timely resolution to address the issue at hand. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-19
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CREDENCE RESOURCE MGMT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Approximately 4 to 5 years ago my wife and I set up a banking account with US Bank located in XXXX Colorado. We initially deposited nearly {$5000.00} ( XXXX XXXX dollars ) and were issued a pre-paid Visa card for the amount - mentioned. I had also arranged for my direct deposit through Social Security Administration to be deposited to this account. The bank cards we received ate US Bank Conveinent Cash. After a few years my wife and I divorced. She said she would take care of this particular bank account but apparently she failed to do so. I am inquiring about this account because according to what my ex-wife said that there was still a balance in the account of approximately {$3000.00} dollars- which is still unclaimed - though it was my direct deposits from Social Security Administration which accumulated during a lengthy hospitalization of mine. My ex-wife along with myself visited one of the branch locations of US Bank in downtown XXXX but they were extremely incooperative in ovtaing the information if we still had an unclaimed balance. We both called numerous US Bank locations and were given a runaround by US Bank employees. I still have my US Bank card since our divorce a couple years ago. I am requesting assistance from Help With My Bank.Giov to determine if I still have an unclaimed balance in this account since US Bank has been extremely uncooperative in this matter. Also, the location of the bank where we first opened the account was located at the corner of XXXX XXXX and XXXX XXXX. This US Bank location has long since closed and the building was demolished. However, I am still entitled to claim any monies still with US Bank. 

*** Images of US Bank Card -Attached The account information from the bank card received upon opening of this account is as follows ; US BANK Conveinent Cash Card XXXX Valid Thru XX/XX/19 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 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 contacted Transunion and XXXX to dispute all hard credit inquiries on my credit report due to fraud and the XXXX  data breach and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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: Information belongs to someone else

Complaint:
ftc violations sent to FTC also violations attached

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX 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 2023-04-05
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
debt collection letter sent by online information services in representation of XXXX XXXX, amount of XXXX. Contacted OIS, they instructed me to file for identity theft. Contacted XXXX XXXX they requested I fill out this form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested to have all old addresses removed and corrected to XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, MN XXXX. I sent several letters and nothing has been done. The address on file in inaccurate and needs to be removed 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 2023-08-15
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 2023-04-07
Company: EQUIFAX, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had a loan with us bank on an apartment building in XXXX XXXX. 
There was only one of the partner on the loan at the time of purchase. 
We notified us bank that we would like to add the 2 more partner on the loan so instead of having one person they will have 3 partners on the loan docs. 
US Bank ask from all 3 partners lots of documents which we provided. 
the one partner whom his name was on the original loan, provided his tax returns and profit and lost as he was asked. He didn't send docs related to his business as he said I am already on the loan. How ever I discussed with us bank Representative who was handling the process XXXX XXXX XXXX who assured me that he has all the info needed .i would like to note that this loan was never even 1 day late. 
and the home has a huge equity. 2 weeks later we get a letter of default from us bank. 
Saying they are defaulting the loan and we need to pay it of with another bank. 
they increased the interest rate and will not give us a chance to provide the document needed .pay or we will foreclose the property. we had no choice but to get hard money loan with hi interest and points in order to pay off the building .I feel that they are treating us wrong and cause us to loose a lot of money with out the right reason .I would like to be compensated by the us bank

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