BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 had 2 accounts fraudulently opened in my name years ago. I have attempted to dispute such items many times with the credit bureaus and the accounts that were fraudulently opened are still reporting to various credit reporting agencies. I recently found out it was my cousin who created an online login for XXXX by fraudulently using my information and opened these accounts fraudulently. I have mailed a notarized affidavit of facts from him admitting to opening and using those accounts without my knowledge. I also submitted a notarized Identity Theft Affidavit from myself and FTC Identity Theft Report to further document this identity theft issue. USAA received my letters via certified mail on XX/XX/XXXX ( Tracking # XXXX ) and did not block the fraudulent information as required by law within 4 days of receiving my dispute. As USAA should be familiar with already, when you sign an affidavit you are asserting that the information is true and that you have personal knowledge of the facts contained in the affidavit, and it is only valid when made voluntarily, without coercion, and signed by an agent authorized under Section 139 of the Code of Civil Procedure 1908 in which both affidavits were signed correctly and accordance with the law. An affidavit is pivotal in law due to the fact that nothing ( in-law ) has the power to cancel/override an affidavit except another affidavit that has rebutted the first, point for point. Any rebuttal must be for the whole and complete affidavit and not partially. This makes both affidavits legally binding under oath in which USAA as per federal law as a data furnisher must fulfill their legal obligation to treat it as such and remove the items I have identified as fraudulent in relation to identity theft immediately unless they provide a counter-affidavit rebutting the 2 affidavits I submitted to them. The fraudulent accounts on my report have caused me severe hardship as I have not been able to attain financing for a vehicle and get credit cards in emergency situations such as when the COVID-19 pandemic started and I lost my job and now collecting unemployment through my USAA checking account. I could not manage bills utilizing my credit as I should have if it weren't for these fraudulent accounts reporting to the various credit bureaus. I have disputed these accounts prior to the pandemic and they refused to remove them even after submitting the same identity theft affidavit and FTC identity theft report to the credit bureaus. FCRA 623 ( a ) ( 6 ) ( B ) states : If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from 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. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
THE FCRA states that any inaccurate or non factual information on a consumer credit report should be removed from the credit report. I have found non factual information listed on the following collection accounts and want these collection accounts removed from my credit report. FCRA also states that I can file a lawsuit for damages if laws are broken as well. Collection Accounts can not be considered OPEN accounts. XXXX XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. Lastly please remove the following inquiries as I did not give permissable purpose to have my credit report check. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2015-12-17
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am having work done on my house and checked my Discover Card account to see if the flooring company had charged me for anything after ordering my materials. I saw a couple of things on my account that did n't look right. When I looked further there were XXXX companies and a number of transactions that I had not been involved with. I called Discover Card and they put me through to their fraud department. The companies were XXXX, XXXX XXXX, XXXX 's XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX. Discover cancelled that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The company failed to notify me of their intent to garnish before garnishing my paycheck. When I notified them of this, they agreed that they had sent the notice to an incomplete address ( they did not include the apartment number ). They agreed that they would suspend garnishment and we would pursue a rehabilitation of the debt. They, in fact, garnished my wages at the end of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have spoken repeatedly with various representatives of EXPERIAN regarding old, outdated, or incorrect inquiries into my EXPERIAN credit file. Specifically, XXXXXXXX XXXX on XX/XX/2018, XXXX ON XX/XX/2018 and XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2018 made inquiries which ALL need to be deleted ASAP.

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 2016-03-23
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was in prison ( for something that happened during an acknowledged mental break ) and my son was taken to the doctors months into my sentence. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my home loan went into default XXXX of 2015, I several attempts to bring my account current each time the rep stated the system would not accept the payment. Now my loan is in foreclosure status/ Modification supposedly additional information was needed far as my income, I have been waiting for a new modification packet going on 3 weeks among other things I received a letter stating no longer will assigned person be handling my loan any concerns contact the home loan team. Well I did just that to find out no one will is allowed to discuss my account with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a auto loan with XXXXXXXX XXXX and the bank report a miss payment and it's not correct. I have my payment on day and the current balance are wrong. On XXXX and XXXX I send a letter to bank and I don't have any answer. This situation is affecting me because I need request a credit and I can't because this situation with XXXXXXXX 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 2015-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was past due. I contacted Bank of America to obtain a letter showing the cost to reinstate my loan. The reinstatement letter was created on XXXX/XXXX/2015, and was good through XXXX/XXXX/2015. We obtained a cashier 's check for the amount due of $ XXXX to reinstate our loan. This included the attorneys fees, property inspection fees etc. On XXXX/XXXX/2015, we received a letter stating our payment was received and our next payment would be due on XXXX/XXXX/2015. Our XXXX XXXX, 2015 statement showed the amount due of $ XXXX which is our regular monthly payment. It still showed our home was in foreclosure even though we paid the amount required to bring it current. I addressed this concern with Bank of America and was told it was no longer in foreclosure, but they didnt have anything they could send me in writing to confirm this. We paid our XXXX payment, and it was posted on XXXX/XXXX/2015. 
On XXXX XXXX, I receive our XXXX statement, and it includes Title Fees backdated to XXXX/XXXX/2015! These fees were not reflected on the reinstatement letter dated XXXX/XXXX/2015 nor were they reflected on our XXXX statement. They somehow magically appeared on XXXX XXXX, and were backdated to XXXX! I feel this tacking on of fees and then backdating them is fraudulent. If the fees were incurred on XXXX, they why were n't they listed on our reinstatement letter dated XXXX, or our XXXX statement? Who 's to say Bank of America will not add on extraneous fees on a whim and then backdate them in the future? 
I doubt I am the first borrower they have tried doing this to, but I hope to be the last.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America refuses to terminate mortgage insurance on the property, even thou the LTV is below 70 %. BofA demanded we pay {$450.00} for another appraisal to be done by XXXX XXXX XXXX XXXX. I think it is unnecessary and violates the spirit and the letter of the Federal Homeowners Protection Act of XXXX as amended in XXXX. The full appraisal of the subject property was performed on XXXX XXXX, XXXX by a fully licensed appraiser, certified to perform appraisals for FHA. The subject property was appraised at {$490000.00}. A copy of the Appraisal Report was submitted to BofA on XXXX XXXX, XXXX. The current Principal Balance on the loan is {$340000.00}. That makes LTV below 70 %! In the letter dated XXXX XXXX, XXXX received from BofA, it estimated the Property Value as of XXXX XXXX, XXXX to be {$470000.00}. The LTV ratio based on BofA 's own Property Value Estimate is below 70.00 %. Furthermore, even if you take the Purchase Price of the Property at the time of purchase in XXXX, of {$430000.00}, the current LTV is still under 80.0 %. On XXXX XXXX, XXXX we send a check for {$450.00} to cover appraisal fee for a second appraisal as Bank demanded. Bank cashed the check immediately and still has not even started process of appraisal. I called back PMI department they said they do n't see payment for appraisal being processed! I filed a complaint with CFSB on XXXX XXXX, XXXX, got a letter from XXXX XXXX, " customer advocate '' that she is going to resolve the matter by XXXX XXXX, XXXX. Nothing happened as of today. I am leaving messages to her phone number XXXX it does not even ring, goes straight to voice message ) she calls me back XXXX days letter when I am not at the phone and leave me a message. There is no way to get a hold of her. I asked for a fax or email to communicate, with no success. Nothing is being done and PMI is still charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received an automated call on XX/XX/22 from XXXX. The recording said that if I didnt press 1 to speak with someone to take care of the matter, they would contact my employer to garnish my wages and would contact the local sheriff. 

I pressed 1 to speak with an agent as the recording had requested. 

I was connected to someone named XXXX, who identified himself as being from the Legal Department at XXXX. He stated that he was looking for XXXX XXXX. I informed him that there was no one here by that name, and that they have been informed of this before when they called looking for XXXX XXXX. He then asked me what my name was, so told him that I had no legal obligation to provide him with my name. 

He then told me that if I didnt provide my name, the calls would not stop.

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 2020-09-01
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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: Investigation took more than 30 days

Complaint:
Credit Acceptance Corp reported my payment 30 days late in the month of XXXX and XXXX although the payment was paid in XXXX and XXXX. 

This inaccuracy in reporting is damaging the credibility with other lenders. 

Credit Acceptance own internal reporting does not indicate that the payment is late, nor do they assess a late fee for the period in which they insist was delinquent. 

They refuse to fix the issue by contacting the three main credit bureaus to report the error. 

Credit Acceptance is a predatory lender that is taking advantage of individuals attempting to establish or rebuild their credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: V and H Portfolio
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2018-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XXXX.XXXX.18 and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts.

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete.

Among the particular items of focus is the reporting of the following : 1. ) XXXX XXXX  ref # XXXX  late payment history incurred due to fraudulent activities on this account.

2. ) XXXX XXXX XXXX ref # XXXX  -- - this is not my account. I am not liable on this account. Delete this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On Three occasion I submitted My Official Identity Theft and Fraud Report that was filed with the FTC, as well as to the 3 other Credit Bureaus. I also mailed along with a notarized copy of my Identity and Victim statement of the XXXX. The Identity and Theft Fraud Report was received and signed via Certified Mail # XXXX on XX/XX/XXXX, then again a second time via Certified Mail # XXXX signed and delivered on XX/XX/XXXX. And finally mail the report a third time via Certified Mail # XXXX, received by Trans Union on XX/XX/XXXX. This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a Sworn notarized statement of my victim of identity Theft.. Transunion is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Accounts from XXXX  that is clearly supported by all the documents I've previously submitted. Furthermore the account in question was open under another name thats clearly not my name, but the negative account is attached to my Credit file by Transunion doing and they refuse to delete or remove this fraudulent account off of my Credit file. 
The furnishing company has provided me not validated info on the account and say that account is not in their possession and are not doing any reporting. But Transunion still insist on willfully and negligently publishing this fraudulent, false and inaccurate information willfully causing me financial injury

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 2022-02-21
Company: Experian Information Solutions Inc.
State: UT
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:
XXXXXXXX XXXX XXXX should be showing Closed - Never Late. 
XXXX was the servicer of the loan in XXXX when XXXX XXXX XXXX claims that it was late. As you can see from the attached letter. XXXX shows that there wasn't a late payment. Also attached please find a screen shot of my credit report from XXXX showing accurate information how yours should be showing. We were always in forbearance and this account was never late.

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