BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: AZ
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 the accounts below has violated my Federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 206A States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 it also States a consumer reporting agency can not furnish accounts 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 items of information, other than records of convictions of crime which antedates the report more than 7 years.

15 USC 1681 s-2 A1 a person shall not furnish any information relating to the consumer to any consumer report agency if the person knowing or has responsible case to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 at XXXX I received a text from XXXX XXXX put in my bank information, realized it was a scam and called bank of America. 

XXXX : Called Bank of America and reported fraud, got my debit card canceled. 

XXXX : Received a call from bank of America fraud department. The phone number matched the number on the back of my debit card. They said someone was trying to XXXX money from my savings account and we needed to do a fraud claim. I gave them my bank account information and personal information including social security number. They said that in order to cancel out a XXXX dollar XXXX transfer I had to transfer XXXX dollars to this account. I did so, and they said the money should be back in my account by the next day. 

XX/XX/2022 at XXXX I called Bank of America to inquire why my money from the XXXX transfer was not back in my account. They said that they never called me, their protocol would be to contact me via the mobile app. They said the person who contacted me was a fraud. I filed an actual fraud complaint, closed my savings account, and then opened a new savings account. 

XX/XX/2022 I received an email from Bank of America that they denied my fraud claim and would not be giving me back my money.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-15
Company: Atlanticus Services Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Had a credit line opened due to getting a credit account towards some camera equipment through XXXX for {$2000.00} on XX/XX/XXXX. We paid the remaining balance of {$1900.00} on XX/XX/XXXX to pay off the remaining balance on the loan. On XX/XX/XXXX received a credit card in my name with a line of credit stating {$1500.00}. This was never requested or approved by me. I received an email on XX/XX/XXXX saying that they were converting my Fortiva retail account with XXXX to an upgrade XXXX. I did not request this nor gave my permission stating I wanted this done. They have sent emails through the years but I never opened them because my line of credit for the equipment was paid in full XXXX years prior. I shouldnt have to answer an email to reject ANYTHING I did not request especially them running my credit without my permission or opening a credit card without me saying I agree or personally asked for. My credit was hit and lowered due to their actions. I called and had the account closed today on XX/XX/XXXX but never should have had to do this because I never asked to have this opened in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: GA
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable and I am very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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: Account information incorrect

Complaint:
I'm disputing the following account XXXX XXXX XXXX XXXX. The payment history for XX/XX/2020 is inaccurate.

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 2020-07-08
Company: The CMI Group, 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: Public record information inaccurate

Complaint:
A company called Credit Management sent a bad debt notice to credit agencies for a debt that I do not owe. I contacted them over a week ago and have not heard back a word while their mark on my credit report has affected my credit negatively in a substantial way. I need to make them responsive in order to get this bad mark removed ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-06-18
Company: DISCOVER BANK
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
Discover Credit Cards place exorbitant holds on purchases at their pumps. A hold of {$170.00} was placed on my card for a {$25.00} gasoline purchase at the pump.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: IL
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 have accounts on my report that inaccuracies they have been disputed late payments due to Covid forbearance and also collection accounts have not been validated I have also been harassed repeatedly these accounts need to be remove these claims are fcra violations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have contacted my mortgage company XXXX XXXX on several occasions regarding my credit bureau report. They are not showing an open account and haven't been reporting my payments over the last two years. My last call to them was on XX/XX/2019 and I spoke to XXXX who advised that he would escalate my concern and I should expect a response with 24 hours. I have yet to hear back from the company. I am never given the opportunity to speak with anyone else but the representative that answers the phone. All other customer concerns have to be done via email. This is causing much distress as it is effecting my credit score among other business dealings.

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 2022-04-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a loan of XXXX to pay for dental work. USAA can see all my accounts and balances on all accounts connected to my USAA account. 2 life insurance policy 1 for XXXX XXXX for XXXX. I have over XXXX in stocks XXXX in saving. Which when ever I call I get someone in Texas and I always let the ladies know that I am a XXXX XXXX man. I have been making my payment on time. I have no past due or late accounts on my credit. I a XXXX credit score. Just pulled by USAA XX/XX/2022. Only reason I see them saying no to my loan is because I am a XXXX XXXX man which I make known with ever rep who has helped. This is sad because XXXX are discriminated against by banks and we think they are willing to help us. When only thing they do is keep us form gaining any forms of happiness in America. I have been with USAA for over 3 years. I am being discriminated against for a loan because I am a XXXX XXXX man. I would like to know why and I meet all criteria for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
These inquiries occurred without my approval. Ive been the victim of identity theft and I dont recognize any of these inquiries/companies on my report. 
XXXX. Capital One Auto financing : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XXXX : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX XXXX XXXX XXXX XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: TX
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 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 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

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 2023-07-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
On XX/XX/2023, I did a balance transfer of {$8000.00} to my Wells Fargo credit card. This was a mistake on my part as should have been to another credit card and my wife got them mixedup. Regardless, Wells Fargo has received {$8000.00}. They have refused to refund it immediately, claiming it needs a security review and telling me that it could take 30 days or more. Secondly, I have a Wells Fargo bank account. Even after the review, they could immediately credit my bank account. However, they only committed to sending me a check in the far future, without any commitment on how long THAT process takes. 

First, they have already received {$8000.00} from XXXX XXXX XXXXXXXX, which has never needed security reviews when they pay money. While Wells Fargo mucks around, they are earning interest on my money, whereas I am paying interest immediately for the transfer.

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 2022-04-19
Company: EQUIFAX, INC.
State: AL
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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is response to your correspondence concerning the above referenced account. I moved from the city of XXXX XX/XX/2011 and the account was closed. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. 

Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and will take private right of action. I will attempt to recover actual damages, statutory damages, and attorneys fees and costs. 

Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Do not contact me any further. 

Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act and California Senate Bill 233.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: DISCOVER BANK
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I applied for a personal loan through Discover online. On the website they claimed that it would just be a soft inquiry to check. After I completed the application process I had an offer which I turned down. Since I just checked and didn't agree I shouldn't have a hard inquiry. I tried to resolve the issue with Discover the same day to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XXXX of XXXX I was advised from LVNV Funding LLC also known as XXXX & XXXX, of a very old account in which was closed and no longer relevant. 

I had to create a new complaint cause in my previous complain statement ; I got confused, I thought they were talking about XXXX. But today I am totally 100 % that the account is a Credit Card for XXXX XXXX that LVNV Funding is claiming I owe. 

This account was opened on XX/XX/XXXX first of all in the State of Florida. 

According to the Statute of Limitation on Debt Collection practices for Open Ended Contract in the State of FL is 4 years since the last payment ( year XXXX ) to the Owner of the Account. This is no longer valid to collect, also they purposely altered the date on the credit as reported this XX/XX/XXXX, also said that the account was opened in XXXX. This is a lie and it's also illegal. I am going to make sure, this company gets what they deserve ; cause they were frivolous with bad intentions towards me. 

They keep claiming I owe that money in which I don't. A Sheriff from XXXX XXXX in which I live, my current State is Georgia. The XXXX came to my house with court papers on XX/XX/XXXX from this Collection Company. I disputed that, and that this account was in another state ; they have being persisting on my credit report after they sued me on XX/XX/XXXX. 

I am writing with a copy of the letter attached I've received from the XXXX XXXX XXXX XXXX XXXX Making this email short, LVNV Funding failed to appear in court on XXXX XXXX and the case was dismissed without prejudice by the court. So meaning LVNV Funding needs to erase the debt, remove the credit inquiry from the XXXX and also don't ever send letters about this account anymore. In that year we were also in the middle of the pandemic, economic hardship, and problems with everything around us. My brother also passed, and I had to invest in a lawyer service because of this company harassment and not being willing to cooperate. I have all the proof at my favor to show, I am only uploading 2 documents. Appreciate any help the CFPB can provide, and thank you. XXXX : I also notified the XXXX on that date too, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: GA
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: DriveTime
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Under the Financing Federal Law Section 15,16,35 it states that it is illegal for a financing company to require me to put a down payment on my car I bought. Since I am financing it, it's covered under the financing agreement. I am hereby requesting a refund of {$2600.00} that I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: AMERICAN EXPRESS COMPANY
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:
AMERICAN EXPRESS Inquiry : XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation