BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX at XXXX XXXX services made very threatening remarks about my Credit. I was never sent any information the debt was in collections. She promised my credit would continue to drop it I didnt pay and told me I better make a payment today or else she would ruin my credit. I asked did she purchase the debt from XXXX XXXX? She was not truthful and told me I can call them but to pay her. 
Very disappointing and sent my XXXX XXXX up promptly warranting a XXXX XXXX from her antics.

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 2020-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XX/XX/2019, my car got broken into whiles I was working out at the XXXX XXXX gym in XXXX Washington. The thief stole my wallet and other belongings in my car. I had my ATM debit card and my driver 's license in my wallet and at that time my PIN number was my date of birth, which the thief had access to. Three transactions were made before I was able to cancel the card and I called the cops right away to report the incident which I have a case number. The following are the transactions made before I was able to cancel the card. 

XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX Amount : {$80.00}. Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX Amount : {$1000.00}. Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX Amount : {$250.00}. Time : XXXX I recently got a letter from Bank of America stating that from their investigation all the transactions were appropriate, hence my claim is deny and the case is closed, so the credit I got for the lost money was removed from my account, which is the XXXX and XXXX transactions. The XXXX XXXX transaction investigation is pending as that was disputed later because that was not included in the initial transactions when I first reported the incident to bank of America customer service. 
I requested for the police report after I got a letter stating my claim has been denied but I was given a letter instead stating the case is still under investigation which I have since fax to bank of America fraud department. 
I'm still yet to be credit hence my complain.

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 2020-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The response to my CFPB complaint # XXXX contained inaccurate information. 

It states that the loan officer told me I was not eligible for the program due to my credit score on XX/XX/2019. 

My escrow was cancelled on XX/XX/2019, after the Bank of America loan officer notified both me and my real estate agent that my loan was denied. 

If my escrow was cancelled on XX/XX/2019, how could the loan officer notify me that I was not eligible because of my credit score. 

Also, I requested that notification in writing and never received it. 

I requested a copy of my credit report from the first loan officer I  contacted at Bank of America and never received it. 

Consumers have a right to review the credit reports that mortgage lenders use to make underwriting decisions and I was deprived of that right.

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 2022-07-31
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Ive never heard of Truist back until I got a notice in the mail. A few days later I get an email from ( XXXX ) to my personal email account. I called the branch closest to me and got the number for the fraud dept, it was the same phone number in the email. But when you call people with accents are asking for my social security number. Seems very fishy but see as the number came from someone at the branch this whole bank seems fishy.

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 2020-01-18
Company: American First Finance, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I when to XXXX XXXX XXXX to purchase a sofa, they were having a XXXX of XXXX sale. 

My friend accompanied me to help make a selection, she was included on the communications that took place with the sales man, him and the other sales personnel were not very helpful and summed to be annoyed by our presence. 

I make enough money to purchase the sofa out right, I was offered 6 months no interest if paid in full. I planned to pay for the purchase before the 6 months which I did. 

XXXX XXXX XXXX had me fill out a credit application via their computer. 

The sofa I purchased was on sale from XXXX dollars to XXXX. I thought the amount was odd, but the salesman confirmed it and the paper work showed a balance due of XXXX. 

The American First Finance had stipulations that the first payments had to be via bank draft, I felt comfortable about it, because I knew I was going to pay it off quickly. WHICH I DID. 

Before my last payment I contacted the company and they had and additional amount, they claim it was for taxes. I told them that taxes are paid and are suppose to be included with the purchase price. I asked them where was this company located, he said XXXX. I told them that I was not going to pay anything more than the purchase price and I have and will not. 

The next day I stopped the bank draft, cost XXXX. I send them a money order with a notation of my original balance, the payments made and the balance, which was what the money order was made for. They received it they cashed them. 

I also contacted XXXX XXXX XXXX 's Corporate office via email from their website. I've contacted them by phone, to this date they never contacted me. I've spoken to management at their furniture. THEY FEEL THEIR INVOLVING ME WITH A PURCHASE SCAMM IS NOT THEIR PROBLEM. AS FAR AS I AM CONCERN AMERICAN FINANCE IS RUN BY CRIMINALS AND XXXX XXXX   MADE THAT POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Mr. Cooper Group Inc.
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX. In the letter they stated they took over the servicing rights from XXXX loan servicing. This stated in their letter that XXXX XXXX as trustee of XXXX pass through trust XXXX Is the creditor to whom the debt is owed. 
I disputed the debt and validation was requested With a certified return receipt letter dated XX/XX/XXXX. 
I sent them two letters on XX/XX/XXXX. 
XXXX See attached XXXX They did not reply. 

I asked Mr. XXXX  many times for a recorded assignment of mortgage showing XXXX as creditor. 
They never provided assignments and records in land Court Hawaii never showed XXXX on record. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

I disputed XXXX XXXX XXXX Notice via Certified return receipt mail on XX/XX/XXXX. National creditors connection received it on XX/XX/XXXX ( see attached letter XXXX Their letter to me was sent on behalf of Mr. XXXX regarding an account with a debt of XXXX. 

30 days later XX/XX/XXXX I received another letter from XXXX Hawaii XXXX hired by Mr XXXX ) stating XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee XXXX pass through XXXX XXXX claiming a debt of {$420000.00}. 

XXXX See other complaint # XXXX XXXX They were advised by Mr. XXXX  about the amount of the debt and they were advised that the name of the creditor to whom the debt is owed is XXXX. 

XXXX owns XXXX/Mr. XXXX. 

I personally called XXXX XXXX XXXX and recorded the call on XX/XX/XXXX to verify the letter I received from them on behalf of Mr. Cooper. 

They verified that the information in their letter was 100 % true and correct regarding the stated debt that was owed to XXXX. ( I have a recording of the call with XXXX XXXX XXXX ) On XX/XX/XXXX I called Mr. XXXX XXXX 
They stated to me that on XX/XX/XXXX they see in their records that FORTRESS was the creditor. 

On XX/XX/XXXX I spoke to XXXX XXXX of national creditors connection. 
She verified the notice I received from XXXX XXXX XXXX was accurate and they were hired on behalf of Mr. XXXX. 
She verified with me that national creditors on behalf of Mr. XXXX  sent someone to my home on XX/XX/XXXX at 12 noon. 

XXXX XXXX XXXX XXXX address is : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, California XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX nor Mr. XXXX ever responded to my dispute letter to XXXX XXXX XXXX. 


Law firms representing the trust attempting to collect amount due from default in homeowners or properties in the trust the debt collection activities violates the federal fair debt collection practices act because the trustee had no right to pursue collections or foreclosure where it lacked a valid assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: ALLY FINANCIAL INC.
State: NY
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:
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.

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 2020-01-18
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
8-10 months I have been disputing errors on my credit report with all three bureaus and Original credit and none of the accounts have been investigated since they all show account not disputed as if everything has fallen on deaf ears and pushed to the side with Experian, XXXX, and XXXX. The bureaus have not provided me with very important documents after several requests and methods of verification including validations.

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 2022-08-23
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
nation wide recovery sy has tremendously ruined my credit. i am NOT aware of any debts owed. nor did i give consent for them to report to my credit agency. this is unlawfull and needs to be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I 've been reported to  XXXX  because of an account opened in my name. I have contacted this bank numerous of times as well as the consumer reporting agencies and nothing has happened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
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:
I am a victim of identity theft. The info rmation listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have ma de. It is the result of identity theft.

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 2022-07-31
Company: SIMM Associates, Inc.
State: SD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX is sending accounts there were included in bankruptcy to collection agencies to try to collect the debt that was discharged in bankruptcy. SIMM Associates, INC is trying to collect a debt on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
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:
I have an ftc report which I had back then but I lost since my XXXX XXXX this is not mine these accounts are not mine. I owe nothing to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
IM CURRENTLY LOOKING INTO PURCHASING A HOME AND I CHECKED MY CREDIT REPORT AND NOTICED I WAS ADDED AS A AUTHORIZED USER ON A TD CREDIT CARD , I THEN CONTACTED TD CUSTOMER SERVICE AND STATED I HAD NO KNOWLEDGE OF BEING ADDED ONTO ANY TD CREDIT ACCOUNTS , THEY NOTIFIED ME TO GO TO MY TD BANK BRANCH TO BRING IDENTIFICATION TO VERIFY MYSELF I DID AND THEY STILL COULDNT PULL UP TD PROFILE FOR ME SO THEY THEN STATED I SHOULD SEND A LETTER ALONG WIT COPY OF MY LICENSE TO TD XXXX SERVICES IN COLUMBIA SC WHICH I DID AND I STILL HAVENT GOTTEN THE ACCOUNT REMOVED OFF MY XXXX OR XXXX CREDIT REPORT 


BELOW IS A IMAGE OF XXXX CERTIFIED FIRST CLASS MAIL TRACKING # AND RECIEPT FOR THE 2 TIMES I MAILED OFF THE INFO TO TD XXXX CARD SERVICES XXXX XXXX XXXX XXXX  SC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
After carefully reviewing my credit report for inaccuracies I noticed several accounts reporting innacurately and contacted   XXXX   via Postal Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report.  Four  months later I still have no method of verification for the following items  XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX    XXXX   XXXX   XXXX   #  XXXX .   XXXX   needs to furnish me with the documents requested or delete these accounts from 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 explanation
Consumer complaint received 2020-08-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Per FACTA and the Furnisher Rule, furnishers have the strict responsibility to supply accurate data. They are also obligated to furnish information in a way that prevents re-aging and duplicate reporting, In my case, case number #, the furnisher did not supply accurate data to my credit report. Wells Fargo failed to see that the information reported to my credit report was actually an account being re-aged. They were student loans and were just sold to a new servicer for the seventh time. As a result of Wells Fargo 's haste, other creditors, I was in good standing with, followed suit. Wells Fargo 's incredible mistake destroyed my credit in an instant. 

So I ask Wells Fargo Bank/Wells Fargo Home Mortgage, who picked up both of my mortgages with different addresses, on the secondary market, to which I paid them both off with no lates why? Including my Wells Fargo Auto Loan with the same defaulted student loan debt I was approved with when I obtained my mortgages ... .again to which I paid off the auto loan that had no lates too, ... Why? Why decrease my credit card limit? When I have proven to Wells Fargo I am a good risk ... that I managed my credit well. To which I did waaaay before Wells Fargo abruptly destroyed my credit profile on false information. I can provide documentation that my other creditors reacted in the same manner as well as closed my account. They may have the same policy but, they didn't react until Wells Fargo took the first move. 

I understand that Wells Fargo Bank can decrease my credit line for any or no reason. But Wells Fargo told me the reason ; and the reason turned out to be false. Again as a result, my credit rating had diminished and other accounts closed. 

Please note that each furnisher is required to implement their written policies and procedures concerning the accuracy and integrity of the information that they furnish to reporting agencies. 
In fact! FACTA Requires furnishers to have such procedures and policies to avoid furnishing inaccurate information ; most importantly avoid furnishing information in a way that prevents re-aging. 

But that didnt happen in my caseor did it? See Wells Fargo wouldn't know because they relied on some other furnishers reporting to be accurate ; and without hesitation Wells Fargo reacted without any investigation on their part of the truth to the reporting. 

Everything I have talked about in this letter is true and factual. 

XXXX XXXX XXXX - Consumer Depositor for 16 years Case Number : XXXX and XXXX Original Credit Card Ending in XXXX same account as 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 2020-04-17
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: Old information reappears or never goes away

Complaint:
There is a collection company reporting on my credit file that actually reaged a very old debt. They have it appearing as though the account just went to collections and there that is not the case. There has been no service with the original company for over 7 years. This I thought was illegal. The name of the company is 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