BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: OneMain Finance Corporation
State: TN
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:
XXXX XXXX ran my credit without my consent. XXXX XXXX ran my credit without my consent. XXXX XXXX XXXX XXXX also ran my credit without my consent. ONEMAIN FINANCIAL continued my application when I didn't process it from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
I 'm not able to use my Macy 's Amex credit card. After each purchase my credit card gets blocked and there is no way to verify my identity online or by calling. It 's been over 2 weeks since I 'm unable to use it. CSR are telling me I should receive " something '' in mail, but my mailbox is empty!

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 2022-03-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX  XXXX  XXXX Balance {$7600.00}, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$780.00} XXXX XXXX  XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance {$400.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

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 2022-03-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$7600.00}, XXXX  XXXX  XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$170.00}, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$700.00}, XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$400.00}, XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$780.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2017 Bank of America represented to me, through their collections and foreclosure specialist XXXX, my property has been conveyed. When I asked for clarification as to what, exactly, does " property conveyed '' means I was told it meant Bank of America is in possession of the property. This is not true as I currently reside in and occupy the property as my primary home and place of shelter. I immediately informed Bank of America of this fact directly to their representative, XXXX. I also requested that this information be added to the remarks on the account to reflect Bank of America is not in possession of the property and that title has not been conveyed, if " property conveyed '' has ever been intended or represented to mean or imply that a Trustee 's Sale of the debt associated with the subject Deed of Trust conveys title and, therefore, ownership of the real property. 

In the State of California, in order for the bank to take possession of real property without the consent of the possesser or owner, the bank or one who has a claim of ownership currently not in possession of the real property, must bring a private right of action through California Superior Court. Otherwise, the current owner and possesser claims of right to title and ownership go uncontested and without issue. At present, this would mean I remain the current owner and retain ownership and title of the subject real property. 

XXXX Requirements are as previously stated and are to include the following : Prior to recording a Notice of Default ( NOD ), the bank or servicer must certify, under the penalty of perjury in a statement affidavit or declaration to be included as part of the NOD, a new and complete review of the account records have been conducted to determine Dual Tracking violations have not occurred. Once this review has been completed, the bank or servicer must maintain this certification so as to be current, true, and correct up to and though the date of recording of the NOD. If the bank or servicer can not determine if Dual Tracking violations have occurred or Dual Tracking violations have occurred, then no NOD may be caused to be recorded until a determination can be made to certify and declare Dual Tracking violations have not, in fact, occurred related to the account, borrower, and property to date. If it is determined Dual Tracking violations have occurred, steps must be taken to resolve dual tracking conflicts without penalty or detriment to the borrower whatsoever. 

All previously mentioned resolutions are desired and mandatory.

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 2022-03-19
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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$7600.00}, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$400.00}, XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$170.00}, ACCOUNT RESOLUTION SERVI XXXX Opened XXXX. XXXX, XXXX Balance {$780.00}, XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$60.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

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 2016-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This home was foreclosed on years ago and sold at auction. Yet, the 2nd mortgage is still currently updating and reporting a balance. They sent me a letter in regards to the auction sale years ago, but had not contacted me since. They should not be reporting a balance or updating recently on my 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 2017-05-28
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On    XXXX   XXXX     2017   I  called Convergent Outsourcing and spoke to  XXXX   XXXX  ext  XXXX .. I explained to him that I a collection account on my credit report and need explaination of the debt due to me trying to buy a house I was needed to resolve this. He told me of the sum of {$730.00} and offered me a settlement of  XXXX .. I explained to him that I would like for some documentation showing the debt and where the charges came from because I was unaware.. he explained to me that he would send me documentation to verify the debt in the mail. I gave him my mailing address and said that I would be in contact with him after receiving the documentation. I gave it more than 45 days to receive and never receive anything. I then proceeded to dispute this with the credit bureau because I do believe that this is unjust and after I disputed this with the credit bureau I received a letter from Convergent stating " Based on the information you provided us for your credit reporting dispute we have completed our investigation and reported back to the credit report agency '' ( letter attached ). VERY vague letter and not at all resolving the issue. First and foremost this debt was NEVER verified as a debt of mine. Second of all  XXXX   XXXX   (  rep for  Convergent   )  did NOT follow protocol in sending information to myself the consumer with the information regarding the charges and balance. And also, there was NOT information given to the credit bureau except that it belongs to me and that is untrue. Fair Credit Reporting Act states that if ask the creditor or collect agency has to give documentation or proof of debt if ask by the consumer. It is unlawful for  Convergent  to demand payment on a account that the y have YET to p roof any information to me. I 've been a victim of identity theft and I 'm all to familiar of how this goes. I need this resolved as soon as possible in order to continue the process of purchasing a home for my family. I 'm requesting th at Convergent  send ALL documentation verifying the debt from the original creditor and in the event that it is invalid that the account is closed and deleted from my credit report from all agencies.

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 2017-05-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am concerned w  ith two things regarding Synchrong Bank.
# 1 The envelope they sent to an incorrect address, this address is a family member 's house, but not my address.
# 2 The Envelope contains various FDCPA/RFDCPA Envelope Violations. 15 U.S. Code 1692f ( 8 ) # 3. Please see attached letter request, waiting for a response from Synchrony Bank.
15 U.S. Code 1692f ( 8 ) - Unfair practices. Using any language or symbol, other than the debt collectors / creditor 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Please find the burden of proof attached.
I do n't wish to litigate this matter, but I would be entitled to {$1000.00} in statutory damages at the very least and attorney fees should this matter not be resolved in a timely m  anner by synchrony 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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the employer, XXXX on my transunion report, under Employer. I have never worked here. 

Please correct my name, XXXX XXXX XXXX on my XXXX 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 2022-03-19
Company: EQUIFAX, INC.
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:
Good morning maam/sir : XXXX XXXX XXXX XXXX, XXXX  pulled a hard credit report without my verbal or written consent before we even agreed on a price or terms. I did not agree to their propose terms and did not proceed further. Two days later I received a message from my credit report monitoring service that XXXX XXXX had requested a credit report without my authorization. I asked the business to call and clarify this with the credit bureau. I also notified XXXX XXXX XXXX who told me that they would call me back this past week. I explained the situation to the sales manager on an email message and so far have been ignored by the dealership and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: TCF NATIONAL BANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a personal check account holder with T.C.F. National Bank. I was the victim of check fraud and forger y. Two checks, one for  {$2500.00} and another for {$5500.00}, were forged on my account. The bank doesnt dispute this. However in a letter of determination regarding the reimbursement of my {$8000.00} from their fraud and forgery department they determine that my " failiure to exercise ordinary care in safgeguarding your checks substantially contributed to the making of the forged signature. '' Dated   XX/XX/XXXX .  Signed by  XXXX   XXXX   XXXX  and Forgery Investigator, TCF National Bank. A little over a year ago, on   XX/XX/XXXX ,  I was arrersted on an outstanding traffic warrant in the parking lot of a hotel where I had planned on spending the evening. I was approache d by two officers who immediately put me into custody in the back of a police cruiser. I advised t hem I was in between residences and that my vehicles contents needed to be secured. I had just bought the used vehicle that day and I had temporary tags on it. After I was taken from the scene in police custody to jail someone stole my vehicle while I was in jail and took possession of my checks and other belongings and committed fraud against me and forged my signature on  two c hecks. A report was filed with the  XXXX  Police Department by my father after going to pick up said vehicle from hotel parking lot and determining it was gone. On or abo ut  XX/XX/XXXX  , still incarcerated, I ask my father via telephone to look at my checking account balance. He relays to me that a check for {$2500.00} had been cashed and that a check for {$5500.00} was pending! I have him put a stop payment on that immediately via telephone. I, through my father, advised the bank that the {$2500.00} and {$5500.00} checks were not authorized. I 'm charged {$35.00} stop payment fee and I was glad to pay it. But then inexplicably I 'm reimbursed the stop payment fee the next day,  XX/XX/XXXX  , because the bank went ahead and cashed the check anyway! A full day after I advised them that something nefarious was happening with my account. I worked with the bank as much as possible. Providing police reports on my arrest etc. Which, by the way, has nothing to do with me being the victim of a crime here. Now TCF National Bank is victimizing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I apply for store credit to get something for my pick up truck. but after half of year. I never got it .but the store still charge me every month for the {$6000.00} dollars that I qualify for. that happens the XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the owner is a XXXX always stealing from humble people like 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 2016-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery is harassing my family. The calls are constant. They call my XXXX year old mother who happens to have the same name as mine. They have even called in Sundays. My mother is sickly and it is horrible. I do not know how they got her phone number. Her number is XXXX XXXX XXXX. Now they are harassing my son who does not live with me. Hid phone number is XXXX XXXX XXXX. The number they called from is XXXX XXXX XXXX. I believe this has to do with XXXX XXXX when I lost my job. I was late on my payment. I finally made the full payment to XXXX XXXX and I believe it was {$400.00}. XXXX XXXX took the payment and after it was paid I was told by the representative that my debt had gone to a collections bureau the day before. One day before. It was paid with my XXXX account and this was about 5-6 years ago. I refuse to pay for a debt that I already paid for. Also, I do not want anyone harassing my mother or my son or anyone else including my employer. The calls are nonstop and from different phone numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: CU Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My wife co-signed on a car loan for her son. Her son stopped paying on the loan and the car was re-possessed. We received a letter about a week ago from a collection agency named CU recovery, from Wyoming, with an amount to be paid. My wife contacted the agency and was told to try to get a loan to pay off the balance, and if we could not get a loan, they would work with us to resolve the account. Today, my wife contacted the agency, and was told that we had one hour to figure out how to pay for the debt, otherwise they would sue her and garnish her wages. My wife contacted me at my work and told me what was happening. I then contacted several lawyers for advise, as well as researching online what our rights were. I told my wife to contact the agency, and inform them that we were in contact with a lawyer, the agency then said we have one day to pay or they will start to garnish wages. They also said that we have a credit card with enough credit to cover the balance and need to pay now with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX a merchant, XXXX XXXX XXXX XXXX, double charged me for services. I called Well Fargo to dispute the second charge. After Wells Fargos investigation, they determined that my dispute claim is denied. After the denial, I call Wells Fargo on XX/XX/XXXX to get a better understanding of the claim denial. In turn, the supplied with a new credit card I did not ask for and ultimately never resolved my claim.

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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.

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