BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. I NEVER GAVE EQUIFAX CREDIT BUREAU INC, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX PERMISSION TO FURNISH AN ACCOUNT OR PUBLISH ACCOUNT ON TO CREDIT FILE! 

Account name : XXXX XXXX XXXX XXXX acct number XXXX, Account name : XXXX XXXX XXXX acct number 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.

I HAVE CONTACTED EQUIFAX TOLD AND MAILED REQUESTS VIA CERTIFIED MAIL TO THEM THAT THESE ACCOUNTS ARE NOT MINE, AND I ASSUME NO LIABILITY BECAUSE OF IDENTITY THEFT, AND YET EQUIFAX HAS REFUSED TO BLOCK ITEM FROM CREDIT FILE AND OR HONOR MY PERSONAL REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been receiving updates from credit reporting agencies showing delinquent and inaccurate information being reported on my credit files. I have been a victim of identity theft for over 10 years, and I have provided proof on several occasions to prove this claim, such as police reports, FTC reports, OPM letters, social security card, ID, and proof of address. Accounts appeared inaccurately on XX/XX/2023 ; XXXXXXXX XXXX XXXXXXXX for the amount of {$62.00}, XX/XX/2023 ; XXXX XXXX XXXX for {$10000.00}, XX/XX/2023 ; XXXXXXXX XXXX for {$12000.00}, and XX/XX/2023 ; Citicards CBNA for {$6000.00}. I have filed several disputes with XXXX, XXXX, and XXXX about the inaccuracies, and nothing has been done in reference to the misleading and inaccurate reporting on my personal credit files. As a result, my credit reputation is being ruined and I am unable to gain a trustworthy credit history with companies.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
AS OF XX/XX/XXXX I have noticed fraud inquiries on my credit profile below is a list of fraud inquiries Top Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-09-28
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Credit Collection Services stating they are trying to collect a debt that I owe to XXXX XXXX in the amount of {$1600.00}. I never opened an account with XXXX XXXX. The only account I have is for internet services. My cellular phone service that I have is with XXXX XXXX XXXX and has been for the last 15+ years. I filed a report with the FTC for identity theft and I am in the process of placing a freeze on my credit with all 3 credit bureaus. I am waiting for a return call from XXXX XXXX so that I may gather additional information as it relates to this fraudulent account that has been opened in my name. I am currently reviewing my credit reports from all 3 credit bureaus to identify any other possible fraudulent behavior. 

Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX www.ccspayment.com Reference XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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:
XXXX XXXX XXXX ( XXXX ) is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I used to be with XXXX and some how I was charged overdrafs but I had my account set up to if I didn't have the funds nothing would go through keeping me safe from being charged So i ended up getting charged for overdrafts regardless and went from XXXX {$300.00} to owing {$300.00} plus to the bank and what's crazy I have not gotten a letter of any kind or anything on my credit so when I changed my bank to XXXX I had a hard time getting a regular Visa card I need this to be looked at because around that time I was struggling to make ends.this was around a bit when wells Fargo was cheating people and was put on the news

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

Thank you, 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank always negative

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 2023-09-28
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Credit reporting 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 refiling this complaint another time to KIA FINANCE AMERICA for allowing the fraudulent account and for not correcting this on my credit report. I filed an FTC report for this another complaint, with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I they will correct this erroneous account and to provide accurate credit reports. 

This account had multiple inaccurate information on my credit report the payment history, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: LA
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:
I spoke with the credit bureaus about these unauthorized inquiries to no avail. I am told I have to speak with a special department but they said they can not transfer to the department. I have to wait for them to call me back in 4 days. This is ridiculous! Someone is using my information and applying for credit and I have to wait?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom it may concern, I am a consumer who opened this account to extend my credit with FORTIVA in good faith. I had this account placed on auto pay from the time it was opened up until FORTIVA deceptively charged me a late fee and refused to provide any help or remedy besides taking the payment and applying it to the balance on the account. FORTIVA has since then been continuing to violate my consumer rights and has harassed me calling me all times of the day with over 20 phone calls in the month of XX/XX/XXXX alone causing me severe emotional distress. I just received a call from a FORTIVA representative at XXXX on XX/XX/XXXX and when I asked if they would not call me so late, he rudely stated is it not XXXX for you? Regardless of what time their company hours are, I explained to him that was severely inconvenient as I was putting both my toddler and infant to bed and have to wake up extremely early to get them ready. The very next day on XX/XX/XXXX I received another call from FORTIVA at XXXX which blatantly shows the lack of respect for consumer rights. Pursuant to the Fair Debt Collection Practices debt collectors are prohibited from placing repeated or continuous telephone calls to you or having telephone conversations with you with the intent to annoy, abuse, or harass you. Placing a telephone call includes telephone calls that the debt collector makes and that go into voicemail. Debt collectors are also prohibited from calling more than 7 times in a seven day time period. FORTIVA called a total of 8 times in a 7 day period from XX/XX/XXXX, XXXX XX/XX/XXXX including calling multiple times in one day less than an hour apart and I have a record of each time FORTIVA has called and a record of the XXXX second call that lasted on XX/XX/XXXX and the call I received the very next day at an even later time. I offered to pay the bill with the removed late fee when FORTIVA called me initially before the payments began to add up and FORTIVA refused that payment and only wanted the full payment with the incorrect late fee charge. FORTIVA has since suspended my credit card and has violated my right to privacy by reporting negatively on my consumer report resulting in defamation of character and tarnishing my credit reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 Bank of America sent a letter stating i owe a debt that has not been verified correctly and has not issued a judgement on me and still hasnt verified that debt that is owed to them in the amount of 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 2024-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Urgent! Time sensitive. 
XXXX XXXX, Florida case # XXXX Va backed home loan protected by DOJ v. Boa landmark lawsuit, and now the additional federal protection against illegal foreclosure, outlined in the XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ), Bank of America is still proceeding with the public auction of our home on XX/XX/XXXX! The VA loan admin XXXX XXXX at XXXX ext. XXXX, XXXX specifically spoke with BOA VA contact where both knew to stop the illegal sale. The BOA attorney XXXX XXXX at XXXX continues to push this sale. XXXX XXXX XXXX has history, was taken off the bench by XXXX XXXX XXXX previous for illegal property sales is somehow now the presiding Judge and refuses to allow this case to actually have a trial and is permitting the illegal auction despite federal protections. This is a XXXX veterans case backed home loan. No email for her other than 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 2023-09-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
I am writing as a follow up on two previous complaints I've submitted regarding the Wells Fargo settlement in XXXX of XXXX with CFPB. 
I was absolutely a victim of Wells Fargo systematic dishonest practices in modifying my home mortgage in XXXX. For that reason, I believe I should be a party to the settlement reached with the CFPB. I have documentation which proves the organization withheld information at the time of the modification. They are using the same delaying, avoidance, and transferring tactics as before. Each correspondence with Wells Fargo, is returned asking for further information, and offering no assistance. And it is always from a different person. And this person has no knowledge of the matter, and will take two weeks to look into things. Then they will respond with another letter requesting the same information previously submitted. Nothing like kicking the can down the road. 
I have also asked for their criteria and/ or a matrix as to who will be a party to the settlement. They have said that is confidential company information. 
I've asked who is responsible for the administering of the settlement? They refuse to answer that question, as it's company business. 
Finally I've asked how much of the settlement has been paid out, and how many parties have been reimbursed? Again, no answer. 
I am writing in hopes that you, as the Bureau who came to this settlement, could help your consumers find some transparency with this matter. They should not be allowed to handle their own penalty, with no oversight, and no accountability. 

Thank you ; 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 2021-09-04
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish.. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. failing that, the item must be deleted from the report as soon as possible. 

Creditor agency : Phoenix Financial SE {$1800.00} the listed item is completely inaccurate and incomplete, and is a very serious error in reporting. please delete this misleading information, and supply a corrected credit profile all creditors who have received a copy within the last 6 months, or last two years for employment purposes. 

Additionally, Please provide the name, addresses, and telephone number of each credit grantor subscriber. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description the procedure used to determinate accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of completion of your re-investigation. 

Sincerely XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried XXXX cell plan. After trying repeated attempts to improve service with tech help from XXXX we determined my home is in a dead zone. I canceled service on XXXX day. Then I get hit with collections. On XXXX XXXX removed this ( report # XXXX account # XXXX ) and deleted it from my credit report. It never should have been charged since I canceled XXXX service after XXXX  days of terrible service. Then it was deleted from my credit report in XX/XX/2022. Now its back again as IC SYSTEMS COLLECTIONS # XXXX for {$120.00} with about {$30.00} in fees and interest added to the amount. I have tried to get this removed, I never used the service because they couldnt provide service to me. The calls I made were all recorded for quality purposes. Ive requested copies of them several time, never get a response. 
Thanks, 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 2023-10-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 XXXX from 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 an account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: OneMain Finance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
One Main XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX XXXX has made out a loan to me that seems to be fraudulent. I was not able to qualify for loan, but was made to use two vehicles as some kind of security. I now dont see them on my credit report and feel like I have been tricked into something very very wrong.

Company response to consumer: Closed with explanation