BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the following accounts listed on my credit report : XXXX BANK XXXX Collection Account XXXXBANK/XXXX XXXXXXXX Charge Off Account XXXX CARD XXXX Charge Off Account XXXX & XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX Charge Off Account I am disputing the accuracy of these accounts on my credit report. I believe that they contain errors and inaccuracies that are negatively impacting my credit score. 

I am requesting that you investigate these accounts and correct any errors that you find. As a consumer, I have the right to an accurate credit report and I expect that my credit report will be free from any errors or inaccuracies. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that you provide me with written confirmation of the results of your investigation within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: FL
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:
Equifax is in violation of 15 USC 1681a ( 2 ) ( B ) as any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card that I used to originate every consumer transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) ( d ). I am demanding that they remove all of the transactions from XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and Upgrade from my report immediately. Equifax is violating my rights as a federally protected consumer under title 15 chapter 41. I have also sent a letter to Equifax demanding that these transactions are removed from my consumer report but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: W&A Intermediate Co., LLC
State: TN
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:
XX/XX/2022, this was the second time I disputed the report on my file. Today I received the response. XXXX could not have read the statement I included to them either time. Wakefield is reporting a medical bill for {$130.00}. As per XX/XX/2022 medical under {$500.00} should not be listed on my report. I have email verification where I have contacted Wakefield as well. I again disputed this with XXXX for the third time on XX/XX/2022. I included snap shots of the information pertaining to this issue. Neither company are following proper procedures. This is a health care bill I. The amount of {$130.00} from Wakefield.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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 was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several accounts on my credit report that I never opened. The accounts are from multiple companies all of which I am not affiliated with in any way. The accounts listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these debts. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized accounts.

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 2023-12-18
Company: Maury Cobb, Attorney at Law, LLC
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2023 I received a mail correspondence from XXXX XXXX XXXX XXXX XXXX saying I owe money to XXXX. I replied to them saying I have paid my debt and they have since then stopped contacting me. Now I am receiving another correspondence from a different debt collection agency, Maury Cobb & Associates LLC regarding the same debt. I have paid my debt and need all future debt collectors to leave me alone as I am unemployed and having financial troubles and don't need past resolved troubles bothering 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 2023-10-17
Company: Byrider Franchising, LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XXXX, XXXX I came into contract with CNAC through XXXX. A XXXX XXXX XXXX XXXX. Upon the contract agreement I was advised by XXXX, my Salesman that the vehicle would be under dealers warranty until the duration of the contract. 3 weeks after I brought the vehicle home, it was back in the shop, which was a recurring theme for the 25 months that I've had this vehicle in my possession for at least 20 times in the past 25 months ; including XX/XX/XXXX where the fuel pump was supposedly fixed. Fast forward to XXXX, the vehicle broke down for good. I received a call from XXXX, the shop XXXX stating that I need a multitude of work done, including the fuel pump, radiator, brake lines, brakes, rotors, coolant lines, thermostat, amongst other things, totally over {$1500.00}. I questioned why the price was so high when the vehicle is still under warranty, XXXX replied that my warranty is over because it's over XXXX miles. I told him that I was advised by XXXX about the duration of the vehicle 's warranty until the end of the contract he said that it wasn't true and to pay the money. When I returned to XXXX to retrieve my items from the vehicle, it was found that the shop also had drained that battery, in which the CNAC manager stated that she would " fix it for free, if I would make payment arrangements with them. '' I declined, because I felt that I had been taken advantage of during the purchase of this lemon. In XX/XX/XXXX, I received a letter from Attorney 's, XXXX XXXX XXXX 's office in reference to the balance of CNAC. In which I responded with a letter, asking for the verification of the debt, in which they responded with parts of the origingal contract and a ledger. Then in XXXX of XXXX, CNAC puts the balance on my credit report and it shows open as a new auto loan. I want to know how is it that a company can sell your debt to an attorney/ creditor, then put the balance on a credit report as a new loan?. So, it appears that they are attempting to get me to pay both parties. Nonetheless, I have no way of paying either of them. I have been without a vehicle and a job since XXXX of XXXX, had my identity stolen, trying to apply for work. I have been turned down for job after job, and even had an job offered, set to start on XXXX, also to no avail.. This has been a very stressful and depressing year for me and I can not pay anyone anything at this point in my life. CNAC has had their lemon vehicle back since XXXX. I would just like them to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX notified me of an alleged debt with XXXX XXXX XXXX. If did not recognize a debt therefore, I sent the debt collector a letter, and asked for verification of the debt.. XXXX made no additional communication addressing the problem. On XX/XX/2021, I received notification from the XXXX app that my credit report had been updated with Enhanced Recovery Collections. I conducted research on the company and obtained their contact information. I was informed that ERC has been in possession of the file since XX/XX/2021. There was no correspondence regarding this purported debt. I was presented with wrong contact information on file with Enhanced which is why they were unable to contact me. According to what I was told, the search revealed that those were the most established locations and phone numbers. I never resided at the address, and the phone numbers were at least 15 years old. How valid is this debt, if the creditor did not have my address? What happened with XXXX? ERC, did not have the correct information. This tactic impacted my credit report and score. The 30 days have passed. Am I able to send verification of debt letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Accounts Recovery Agency Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX XXXX, agent XXXX from Accounts Recovery on behalf of XXXX XXXX XXXX XXXX. 
XXXX XXXX advised that he would be taking legal action against for me for a debt from XX/XX/2015 in the amount of {$1200.00}. 
I asked for a copy of the loan agreement and details so that I could file a police report. 
XXXX XXXX advised that he did not have this information. 
I then requested that he not contact me further and ended the call. He called an additional 3 times in a 5 minute period.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX COLLECTIONS # xxxxxx XXXX, Account name : XXXX XXXX XXXX # xxxxxx XXXX, Account name : XXXX XXXX BANK # xxxxxxxxxxxx XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX has violated my rights by claiming items are verified without proper investigation by law and knowingly and intentionally leaving false information on the credit report including but not limited to false names.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Block, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
on XX/XX/23 i invoiced my employer via square for the amount of {$3700.00} On XX/XX/23 the amount was paid in full I was promised the money would transfer to my bank account on XX/XX/23 On XX/XX/23 square asked me to complete some security questions on XX/XX/23 square rejected my responses XX/XX/23 i attempted to provide more information XX/XX/23 i called square and was told by a representative that i needed to provide my XXXX and drivers license and after that i would receive my money. 
XX/XX/23 my account was deactivated and i was told my funds would be held until XXXX XX/XX/23 i called square again and i was informed they didn't have any information for me and they wouldnt help me. i must wait for my LIVELIHOOD until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: FISERV INC.
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
In spite of receiving my first stimulus check from the IRS via Direct Deposit, my second relief fund arrived via a pre-paid " Economic Impact Card '' provided by Money Network and XXXX overseen by Money Network Financial , LLC, XXXX XXXX XXXX, XXXX, GA, XXXX. Their customer agreement is available here : XXXX XXXX XXXXXXXX where it says " You may close your Card account at any time by contacting Customer Service . '' This is a lie. 

The provided customer service number, XXXX, has no option available for closing accounts, nor is there an option to speak to a human. I called on Tuesday, XX/XX/2021 several times. 

I believe this is a violation of federal law. 

I wish that I could close the account, and have their records erase my personal information, which is my right by law. 

I recommend that they be fined, and be barred from contracting with the US or local governments forever. 

Please prove that you are really for the consumer and not the big bank ( as it seems Congress is, by using this company in the first place instead of just using direct deposit ).

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$30000.00}, XXXX  XXXX XXXX Balance : {$1000.00}, XXXX XXXXXXXX XXXX Balance : {$690.00}, XXXX XXXX XXXX Balance : {$3600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the cares act protection plan for one year. they refused to give 1 year option only 6 months. 

they constantly harass me about my income which is illegal according to the cares act. 

they also blocked payment options on the mobile app thus preventing me from trying to make any payments. 

they also sent a letter before the 6 months was up stating i will lose my home because im 6 months behind stating i owe the full 6 months. 

the cares act allows me to use the paused 6 months as 2nd lien due after the 1st mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Lendmark Financial Services
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Lendmark Financial has been calling and sending mail to my mothers house about a previous car that I had. I constantly told them when they called to stop calling me as I was dealing with health issues ( XXXX and Covid ). They continued to call and ask for small payments even though I was not working and I stated that to them. last certified letter that they sent was on XXXX XXXX. They have also sent letters stating that they were going to sale my car even after me telling them I was going to pay them once I got back to work. They sold my car after almost a week after sending the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: CA
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:
XXXX has inaccurate information reported ranging from amount owed, status and account numbers across all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking over my credit report I noticed there were some late payment showing and due to the pandemic/hardship I was not able to make those payments ontime. The following accounts are listed that show late payments for 2020 : XXXX XXXX XXXX  XXXX XXXX  # XXXX XXXX  XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting 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:
I received two hard inquiries from Capital One... one was XX/XX/XXXX the other XX/XX/XXXX ... .I wish to have the XX/XX/2023 inquiry to be deleted..Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Dear Sir/Madam : I have been a USAA credit card holder since XXXX and have always maintained my account in good standing. When paying my account, I usually open the USAA app on my phone and make payment on my existing balance. However, a few months ago, I decided to open one of the statements and noticed that my APR is currently 20.15 %, which it has never been. I then decided to go back at least 14 months and see that my APR was originally at 15.90 %, and has increased almost every single month over the last 14 months. This is not legal. In all of my life having credit, I have never witnessed any credit card issuer raise the rate on a monthly basis, unless there was some other issue such as a cardholder being late, which is not the case with me. 

Under the Credit Act, I am aware that a creditor must inform its consumers of any rate change at least 45 days in advance among other requirements. Since there has been a rate increase almost every single month for over 14 months, there is no way that I could've received the required 45 day notice as required under the Federal law. 

Therefore, I reached out to their customer service and then escalated to their Executive office. Although I have not had an opportunity to speak with the person who is handling the matter due to us missing each other on the phone, his name is XXXX and after several missed calls, he sent me an email dated XX/XX/XXXX, saying that the inquiry has been resolved. 

His email ( attached to this complaint ) says that on XX/XX/XXXX, changes to your credit card agreement were sent and that page 2 states that if your APR is variable, it will vary with the market rate based on the Prime Rate. This still doesn't hold water. This is a violation of the XXXX XXXX. Here is the breakdown of the interest rates for each month since XX/XX/XXXX : XXXX XXXX -- 15.90 % XXXX XXXX -- XXXX XXXX XXXX -- 15.90 % XXXX XXXX -- 16.15 % XXXX XXXX -- 16.15 % XXXX XXXX -- 16.65 % XXXX XXXX -- 16.65 % XXXX XXXX -- 17.40 % XXXX XXXX -- 18.15 % XXXX XXXX -- 18.15 % XXXX XXXX -- 18.90 % XXXX XXXX -- 19.65 % XX/XX/XXXX -- 20.15 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation