BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-05
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

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

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Central Portfolio Control Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CENTRAL PORTFOLIO CONT HAS REPORTED TO MY CREDIT THAT I OWE {$920.00} WHEN THIS DEBT WAS PAID TO ANOTHER COLLECTION AGENCY, XXXX XXXX XXXX 

Account number XXXX Collection opened XX/XX/2022 Account type Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Balance {$920.00} CONTACT : CENTRAL PORTFOLIO CONT XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MNXXXX  ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I purchased a XXXX from the retailer staples in XXXX New Hampshire to use on XXXX XXXX XXXX XXXX XXXX 2016, the device was returned 4 days later to the same retailer, also same clerk that completed original purchase, with this retailer and XXXX you get 10 days to try the service and device no obligation, XXXX XXXX unable to figure out how to release me from this debt that I do not owe them they claim its XXXX I 've called them 4 times since XXXX XXXX 2016 to try to fix this also contacted the retailer staples and talked to the store manager and clerk involved. They are all stating that the device was returned within the time limits. Now it 's XXXX XXXX and the account has been passed onto a collection agency named convergent, also XXXX wireless has tapped my credit report, stating collections as the reason. I fear for my good credit report that took a lot of work to maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an XXXX deposit in the amount of {$4900.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oregon ) on Friday, XX/XX/2023. The deposit was to reimburse me for my expenses from a bike repair shop I operate. On Friday, XX/XX/2023 I went into a US Bank Branch in person and withdrew {$2000.00} from a teller. I also stated that I needed a new card but I did not want to use the address on file because I have been experiencing mail theft. I told her I would come back when to request a card when I get my address situation rectified. On Saturday, XX/XX/2023, I went into the US Bank branch to request a card and update the mailing address but instead was informed by the teller that my account has been locked and he gave me the number for the fraud department. I made the call to the fraud department and the rep informed me that the account was closed because there was money deposited in my account that wasn't in my name. I told the representative where the deposit came from and how much it was for and verified all my information. The rep put me on a long hold. She finally got back on the line and told me my account is closed for suspicion of fraud. There was no fraud committed. I verified all the information I could and said exactly where the deposit came from. All this could easily be verified through the sender ( XXXX  ) as well. I believe there has been some misunderstanding somewhere along the way. I would also like it noted that initially, XXXX  had the wrong account number on the XXXX form. The account was missing the first number, XXXX. So they had to redeposit it to my correct account number, in case this has anything to do with any of this. I would also like to indicate that I operate my community bike repair business as a XXXX XXXX. 
I am requesting that US Bank return the money from my account that they closed. It has nothing to do with fraud and I ask that a human review the transaction and not a computer. I would prefer to come in and pick up a check for the balance of my closed account or if at all possible I would like to keep the account and banking relationship with 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
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Reference : XXXX. 

1. It is with the proven fact that Correspondence after correspondence which i send to Ally, are without a correct performance response. 
2. Ally is without the proper verification of accounting to prove the funds for loan agreement XXXX were in fact produced by Ally. 
3. It is my suspicion that this Loan with Ally is an unsecured Loan. 
3.1 Ally had 30 days from the time the loan documents were signed to transfer the securitization of the promissory note into a XXXX trust which would have originated a new owner, which would have sent me in writing further details that there is a new signee in the loan documents pursuant to the Truth In Lending. 
3.2 It is my strong belief the Loan is in default and therefor unsecured and if the Loan is unsecured THERE IS NO DEBT.

4. It is my belief that Ally is with the intent to commit fraud to the IRS by tax evasion.

5. It is my strong belief that i am a 3rd party beneficiary because my proceeds from the note funded the transaction to obtain my car.

6. Pursuant to Title 15 section 1641-ammended public law 111-203 - 15 usc 1640, I have a claim for the recoupment and setoff. 
7. Failure for Ally to come into an agreement with me for the recoupment and setoff of Loan XXXX within the next six ( 6 ) days will result in an IRS/Department of the Treasury criminal investigation procedure which i will fully implement.

Note : 1. Reference attached documents for proof Ally agents are without the proper performing accounting for origin of funds for Loan XXXX which clarify unfair, abusive, and/or deceptive lending and servicing practices. 
2. See attached Judicial notice and Constitution for men/women of this land. 

Sincerely Benefeciary : 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 2017-05-26
Company: EQUIFAX, 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:
In  XXXX  o f 2016 I   XXXX   XXXX  notified  XXXX ,  XXXX , and EQUIFAX they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims.  XXXX ,  XXXX , & EQUIFAX refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In  XXXX  of  2016  I  XXXX   XXXX  notified  XXXX , TRANSUNION, and   XXXX   they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims.  XXXX ,  XXXX , &  XXXX  refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are debt collectors.

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 2017-02-10
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/XXXX, I received a collection notice dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX attempting to collect on {$370.00} allegedly from XXXX. On XXXX/XXXX/XXXX I sent by certified mail ( with signature confirmed delivery of XXXX/XXXX/XXXX ) a letter requesting explanation for alleged debt. They did not respond. On XXXX/XXXX/XXXX, I received a collection notice dated XXXX/XXXX/XXXX from Convergent Outsourcing , Inc for the same debt. On XXXX/XXXX/XXXX I sent another request for explanation which also was not responded to. On XXXX/XXXX/XXXX I received another collection notice from Convergent. 

To my knowledge I have never had a XXXX bill sent to collections ( my credit history confirms this ). I do not currently have a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: ONEMAIN FINANCE CORPORATION
State: NC
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:
On XX/XX/2019 I went on to the XXXX XXXX website to see about loans that I could be eligible for. On the website it indicated that I could check for rates without hurting my credit score, that a soft pull would be done. I entered the last four of my social security number with the understanding that hard pull would not be done on my credit report. XXXX  XXXX  then provided me with several lenders that would be willing to give me a loan and listed terms so that I could so that I could choose the lender that I wanted. I then got an email from XXXX  indicating that OneMain Financial put a credit inquiry on my XXXX  credit report ; however, I did not request any thing from OneMain Financial. I ended up taking a loan from another lender but I never even looked into taking out a loan with One Main Financial. They did not have permission to pull my credit, I did not fill out any applications with them, and I did not request any additional information from them so they should not have pulled my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I did not apply for a auto loan with Bank of America in XXXX of 2018. Bank America has not provided no paper work with my signature nor contract showing my information me applying for a car loan. I have gotten nothing but the run around with fraud by Bank of America bogus made up loan for a auto loan threw them in which i have or did not apply for. If bank of america is so legit why has there been no paper or loan papers provided by bank of america regarding the matter showing my signature and proof. It seems it's just some bogus talk some one is going to call back with no return regarding the matter. I want to see what dealer and my signature applying for a loan with bank of america.Bank of america has not responded to me by no means of no letter or call if so please provide proof by the US Post office of any mail sent certified or my signature. It seems like a lot of games by Bank of america regarding this fraud of a loan in 2018. If bank of america mailed me a letter as they claim or they claim they cant get in touch with me which lie is it with bank of america. One lie after another

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 2017-12-22
Company: TD BANK US HOLDING COMPANY
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:
XXXX in violation of my cra showing a late payment never late with Nordstrom XXXX has fixed it but XXXX has not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I recently paid my mortgage in full in which I had a loan through M & T Mortgage. I requested a payoff quote a few months ago and there were specific wire instructions that I had to follow explicitly. The wire was submitted on XX/XX/2019. I received a notification that M & T reported my account as closed and delinquent on XX/XX/2019. This dropped my credit score by 72 points. I was livid. Of course, I contacted M & T immediately and was told that because my payment was received on XX/XX/2019 that I was 30 days delinquent. When I know that M & T doesn't report until the first day of the following month. I'm not sure what the motive is, but I need this corrected immediately. Can you imagine paying your mortgage for 20 years on time each month and the mortgage company reports you 30 days late on your final payment? M & T made it as difficult as possible to wire the funds. My bank attempted to wire the funds several times until I finally took the letter to the bank and we literally wrote everything on the wire submittal several times in several different areas. At that point M & T had no choice but to accept the wire. I called M & T on the day at the time the wire was sent to verify that it was received, and I have a receipt from my bank. It states on my credit report that I was delinquent, paid on time, and consumer closed account. Versus stating paid in full. I did not close the account and I was not delinquent ; I paid the account off over a 20-year period. I would like this correct immediately to state paid on time and 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 explanation
Consumer complaint received 2020-03-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FCU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-08-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to en-sure accuracy. My Account currently states Serious Delinquencies on all of my reports. 
This LABEL has seriously hurt my credit rating and I am requesting that is be removed from all bureau reports. 

Here are the items I am asking you to verify as accurate : 1. Through previous correspondences, I have shown that XXXX/XXXX did not follow suit and remove the file from all three reporting agencies. The file was only removed on XXXX. I am requesting that a follow up be made to make sure this XXXX/XXXX file is removed from XXXX  AND EQUIFAX ALSO. 

2. Through Previous correspondences, I have shown that XXXX/Dept. of Education has reported inaccurate information regarding my account. XXXX has reported late Payments stating 90 and 120 days when my payment history clearly shows that I was Current the previous month so it was impossible to be 90 days late. I am requesting that this file be deleted due to inaccurate information Due to these inaccuracies, My credit file has been labeled as Serious Delinquencies which is currently damaging my credit worthiness and costing me great harm financially

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX, I was calling to close my capitalone spark visa account. However capital one did not close the account. On XX/XX/XXXX ; capital one charged me with {$95.00} annual fees and did not notify me thru statement nor phone call until now that my credit card was late and charged interest and late fees due to their negligent to close the account. I haven't used this card since XX/XX/XXXX and I always payoff my balance. 
Today, XX/XX/XXXX I called and explain to them that I was recently hospitalized and impacted by this XXXX XXXX, and I just got back home 2 weeks prior and I would like to know why my account was past due. XXXX, the card supervisor explains to me that because I was charge a membership fees on XXXX XXXX for {$95.00} and I didn't pay the membership fees on the card that I closed in XX/XX/XXXX. So not with all the fees and a bad credit reporting, Capital one refused to make it right for me. As I explained I am XXXX years old with XXXX and just recovering from XXXX XXXX ; and I was not aware of this happening since I haven't got any statement nor any alert nor phone call. They refused to help me and he kept saying that it was my mistakes that I was switching the statement to online statement in XXXX which I didn't remember doing it. Now I strongly belief that someone inside capital one change the mail statement to online statement to making sure that I never know if the account never been closed and annual fees was assessed to my account. This is fraud and scam to elderly client.

Company response to consumer: Closed with monetary relief