BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: ONLINE Information Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which XXXX tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. To date, I have received no updates, the accounts are still showing on my report. Per the FCRA, the bureaus have 30 days to finish their investigations, 60 days later and not only are the fraud accounts still reporting, they're not even under investigation.

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 2018-02-05
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:
Previously filed complaints not resolved. The wrong name, XXXX XXXX, with an address in XXXX still show-up on my credit report. The fact that the false collection shown by these agencies is now removed, doesn't nothing to fix the underlying problem. The next time this bimbo has a late charge or collection it will again show-up on my credit report because her information is falsely shown on my credit 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 2021-01-27
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
Hello, I am writing concerning an old US Bank credit card. The credit card was secured with a XXXX deposit. US Bank is currently listing the account as a Charge Off, obviously they kept the deposit for the account, so I am at a loss as to how the account can be reported as a charge off. While I understand that a charge off is an accounting term, furnishers of information are required to ensure that the reporting of consumer accounts is accurate and reflects their experience with the consumer. This account is listed in my file as a charge off, which indicates that I failed to pay the bank for the debt which is untrue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Bread Financial 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:
Recently in wrote you and asked that you remove a delinquent account status and you replied that it is not reporting delinquent and that is far from the truth. I have enclosed proof of said account and ask that you correct the information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XXXX of 2021 I opened an account online. During this process I called at le ast two times and verified and authenticated my personal identity with the instituti on. On XXXX XXXX I was issued an account number, signed up for online banking, a nd ordered checks. On XXXX XXXX I deposited {$100.00} in person at a local branch to fin d the account. I met with a banker who verified my personal identity with two form s of identification ( US Passport and US Passport Card ). She also issued me a debit car d. I withdrew {$20.00} from the ATM on site and used my card for a handful of transactio ns. On XXXX XXXX I provided instructions for a transfer of money to be sent to this account t using the account and routing number that had been provided to me. On XXXX XXXX I was advised the bank closed my account due to fraud suspicions, and t hat they were unable to verify my identity via the information that had been provid ed online. I was told that I could step into a branch with two forms of ID and try agai n. I was told a letter would be sent explaining more information. On XXXX XXXX I tri ed to cancel the funds transfer that Id initiated on the XXXX but I was not successful. On XXXX XXXX I received a deposit in the amount of {$11000.00}. On XXXX XXXX I was t old that the bank would not be returning my money ever and that the account was under a closing process. In person, on XXXX XXXX I was given different information in the branch by XXXX and XXXX. They both told me Id get a letter and a check for my funds within a day or two. Im seeking that the bank be forced to release the money that was lawfully and rightfully placed in the account, and disclose the reaso n my account was closed.

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 2021-01-27
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
as oi stated to you peop [ le before and in the past experian.XXXX have faiLED TO FIX THE PROBLEM. i want to pay for it dearllly the complaint has treoid to fix and they failed to fix it as of today XXXX has XXXX out my report but Experian has not dont the same thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI
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:
A woman called me from XXXX and told me that I owed {$1900.00} to XXXX XXXX for an overdrawn checking account. I immediately request verification of the debt. She refused multiple times to do that, kept talking over me, then said, " if you dispute this, we will sue you and in court is where we are required to provide you with verification of the debt ''. I continued to argue with her and she hung up on me. She also did not give me any of the disclosures required by law. She said a man would come over to serve me papers right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I closed my account with US Bank. And it was closed because on the ending statement they mailed, it's listed as closed on XX/XX/19. However, 10 days later, they re-opened it and refuse to close it now. I called customer service and they said because I had additional transactions with a positive balance of about {$600.00}, they had to do it. But they were keeping these funds and were not mailing me a check for the balance. I called up again and they said they would close it and mail me the funds. But they did not do this again. They have no right to open my account and keep the funds on a hold. It's industry custom to close the account and mail remaining balance to the customer. I'm being treated different and it's against their own policies.

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 2021-05-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted LVNV Funding LLC and informed them of the fraudulent account set-up using my stolen personal information and I did not owe and money to them as they claimed I owed XXXX. I explained to them, I have not worked or lived in the US since 2014 and it was impossible for me to open the account based on my proximity to the California. I work in the XXXX. I also explained to them that the address used under my name is a PO Box and not a physical address. My information was stolen several times from the PO Box in an effort to open fraudulent credit and bank accounts. This account is the result of such fraud. I have asked LVNV Funding LLC to remove the fraudulent account from their record, report it as such to the credit bureaus and original creditor and to send me a letter of apology. This demand is filed under the FCRA and my rights through the state of California, per my attorney, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ford motor credit had the wrong information about me ( wrong phone number ) never sent me a bill I had an automatic payment set up they chose to take out the money when it is convinient for them and they dont when they charge you a fee and report you they ruined my credit for no reason for the second time for stuff that is totally their fault I had an immaculate record until they reported late payments twice without sending me anything or letting me know, I wanted to bring this to the attention of the public that this type of behavior is dangerous and should be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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:
XXXX XXXX XXXX XXXX XXXX  ( 8 minutes ago ) to me For the record this is a continuation of CFPB dispute # XXXX See CFPB dispute # XXXX This is my fourth time reaching out to Experian about account XXXX. They have not providing me evidence as accordance with the law. Being that Experian is a third party, as it pertains to any of my financial business, legally they must provide the exact copies of the documents that they used to make sure that a debt is accurate or, in this case, not fraud upon my request. It is unfair for them to put negative items on my credit report without a reasonable doubt. This one account is causing me and my family undue financial duress during our home buying process. To add ... As a XXXX veteran my funds are limited. Also, the account that is adding financial duress is not in my name. The account is in the name of " XXXX XXXX  ''. My name is not " XXXX XXXX  '' Also, Experian says they will respond to my previous CFPB dispute XXXX in 60 days. However, their corporate website promises a 30 day response to consumers. ( See link XXXX XXXX XXXX ) Also the FCRA States that a 30 day response is law. However, Experian has notified me that it will take 60 days. This is unfair and inconsiderate to the consumer. ( See evidence 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 2021-08-11
Company: ACIMA CREDIT, LLC
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 have these accounts that are not mine and i want them to be removed. 


1. Identity Theft ACIMA CREDIT FKA SIMPL Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4.Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Wells Fargo regarding the cancellation of PMI stating that my loan is under 78 % LTV and the automatic cancellation of PMI should apply. They have sent multiple letters back stating an appraisal would be required because they need to assure that the value has not gone down. However the Homeowner Protection act does not allow for this. They are also using the wrong calculation for calculation and state that I am at 79.8 LTV because they are using the purchase price of XXXX to calculate rather than the original appraisal of XXXX. My loan amount currently is XXXX which is below 78 % of the original value.

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 2021-03-25
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at MUFG UNION BANK XXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is not mine.

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 2021-04-30
Company: SoFi Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage refinance with Sofi on XX/XX/XXXX. Throughout the process, Sofi caused my credit score to drop unnecessarily due to excessive credit pulls caused by closing delays. Specifically, Sofi pulled my credit 6 times ( dates of pulls : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

I submitted a CFPB complaint about the excessive hard pulls on my credit and Sofi provided a Response in XX/XX/XXXX. In the response, they stated : " Upon reviewing your account, we confirmed that there were a total of four hard credit inquiries obtained throughout the process. We are currently working to have two of them suppressed, which will completely remove them from your credit file. Please note that the general timeframe for this to be handled by the credit bureaus is 30-90 days. '' It is now 200 days after Sofi 's response, and as of today, my credit report still shows 5 inquiries. Attached is a copy of my credit report from Sofi 's own website. The attachment states that there are 5 hard inquiries, on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Based on this, it is clear that Sofi only had one ( 1 ) pull removed from my file ( the pull from XX/XX/XXXX is no longer showing ). 

Sofi should remove the following specific credit pulls : 1. XX/XX/XXXX, 2. XX/XX/XXXX, 3. XX/XX/XXXX. The pulls on XX/XX/XXXX and XX/XX/XXXX were unnecessary because Sofi had pulled credit on XX/XX/XXXX. The pull on XX/XX/XXXX was unnecessary because Sofi had pulled credit on XX/XX/XXXX. 

There is no reason to pull someone's credit 4 times in one week ( XX/XX/XXXX ) or 2 times in one week ( XX/XX/XXXX ) for one single credit extension/transaction.

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 2021-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2021 To Who It My Concern My name is XXXX XXXX. I have a complaint against Bank Of America employees XXXX XXXX and his supervisor XXXX XXXX. XXXX XXXX informed me that Bank of America stop processing my mortgage application. The reason they stopped processing the application was unreasonable. I couldn't get an updated 401k statement. The virus was the reason i was unable to get an update statement. I need and have asked for a letter from Bank Of American stating I am not getting the mortgage. They refuse to give me the letter. Now, I am unable to get my Earnest money back. Thats the money I put down on the house I was going to buy. Please help me. I dont know what to do. I feel they are acting this way because I am an XXXX American women. 


XXXX XXXX XXXX ext XXXX email : XXXX XXXX XXXX at XXXX, ext. XXXX, email : XXXX. 







Thank You 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 2020-11-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Today XX/XX/2020 I was notified from XXXX XXXX that my XXXX  credit card is showing an increase balance of {$9.00} this is incorrect the balance is XXXX. My score went down 12 points due to this card showing a balance. Ive tried to dispute this with the credit reporting agencys but unsuccessful. Ive never been late on this card and the balance is paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 WF CRD SVC put lay payments on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account then reopened it when disputed the issue with a sales rep over the phone. They sent me a letter saying they reopened the account but never removed the late payments that were associated with the same issue. It just popped p on the other bureaus and has greatly lowered my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last reported to Equifax on XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX ( 1 yr ) Original Creditor Name : XXXX XXXX {$200.00} I've never had this account. 

Last reported to Equifax on XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 1 yr, 10  mos ) Original Creditor Name : XXXX  Balance : {$6800.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions I ask for proof of contracts, accounting history, taxes returns showing that I owe this.

Company response to consumer: Closed with non-monetary relief