BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We had a hacker call from our usaa bank number on XX/XX/XXXX, claiming they were from the fraud department and they see fraudulent charges on our account, went over the transactions with my husband using his personal info as a representative would usually only have and gained access to our checking and savings account wiping out over XXXX. We instantly called usaa after the phone call realizing it was fraud, after 5 days they gave us back the XXXX in our savings but not the checking account for XXXX. We have been calling almost daily trying to recover our funds that were stolen and is not looking promising. Completely at a loss with a bank we have been banking with for over 15 years.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: NC
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. 

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: Atlanticus Services Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made an agreement with FORTIVA so they can provide security service at the house. They told me that monthly payment would be {$15.00} for 2 years, this was on 2019 but they have been charging {$49.00} every month since then and the charge is coming from XXXX not from FORTIVA. They never sent me the contract so I called them and I tried to cancel the service but FORTIVA is asking for {$390.00} so they can continue and the second company XXXX is asking for {$880.00}. This is an abuse because they never mentioned that there were 2 companies involve and they said that they only charge would be {$15.00}. Can you please let us know if there is something that we can do? they are not whiling to help and they are just asking for us to pay. 

Than you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TransferWise Ltd
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I asked someone based in USA to send me money on my account with Wise. 
I have a US account through Wise. 

Without notification, Wise changed my account number and put the old one as not operational anymore, saying that " any payment done to that account will bounce back ''. 

Just like any interaction I had with Wise which is more and more looking like a giant scam, the money that got sent to that old account absolutely didn't bounce back. Customer support must be done by robots because it's absolutely useless and AI-like. 

They told me to check with the sender 's bank, but there's nothing to check, the money got sent, didn't bounce back. I suspect Wise kept the money and is doing that with tons of " deactivated '' account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX turned my diagnostic billings over to a collection agency -Credit Management sometime in XX/XX/XXXX. 
A payment plan was agreed to by XXXX XXXX XXXX XXXX beginning on XX/XX/XXXX. Payments are acknowledged on XXXX XXXX XXXX XXXX invoices but the collection agency continues its notices to collect. 
I advised Credit Management of the payments, provided them with copies of checks showing they were cashed and deposited by XXXX XXXX XXXX XXXX. 
Calls to XXXX XXXX XXXX XXXX shuffle me to Credit Management and Credit Management has not acknowledged receipt of payment copies or resolution of collection. Submitted check copies XX/XX/XXXX and XX/XX/XXXX with explanation. 
I have requested a statement showing all charges, insurance payments and my payments to XXXX XXXX XXXX XXXX with no response. 
I will continue to make payments until my account is closed but need to know the actual balance via statement and audit of payments.

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 2020-12-22
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:
Back in XXXX a XXXX XXXX employee signed me up for a credit card only to find out that the product I wanted was NOT available. So because of this I closed the account with them because I did not authorize a hard pull due to the fact that the item that I wanted was not available. This is XXXX XXXX because when I went to go get a XXXX Credit Card last week they did a hard pull and told me that I was denied because of XXXX XXXX/XXXX XXXX mistake. My credit score is XXXX so I really don't see the problem besides it being that. I need to get XXXX XXXX off of my credit report immediately so I can be reconsidered for the XXXX store Credit card.

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 2023-11-22
Company: National Credit Adjusters, LLC
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to address serious concerns regarding the inaccurate and incomplete information that has been reported to consumer reporting agencies in connection with an account under your management. My review of my credit reports from XXXX and XXXX reveals discrepancies that violate the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are as follows : XXXX : Date Opened : XX/XX/2023 Past Due Balance : {$0.00} XXXX : Date Opened : XX/XX/2023 Past Due Balance : {$410.00} It is imperative to emphasize the importance of accurate reporting, particularly with regard to the Date Opened on these accounts. Under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies have a responsibility to provide accurate and complete information. Knowingly reporting inaccurate dates is a violation of this statute, and such violations can lead to serious consequences. 

Additionally, I would like to draw your attention to 15 U.S. Code 1611, which establishes criminal liability for willful and knowing violations of the FCRA. It is crucial to understand the gravity of these violations, as they not only have legal ramifications but also impact the affected consumers ' creditworthiness and financial standing. 

The discrepancies in the reported Date Opened are significant, as they impact the accuracy of my credit report and may influence my creditworthiness. I request that you promptly investigate these discrepancies and take corrective action to rectify the inaccurate information reported to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: SUNRISE CREDIT SERVICES, INC
State: CT
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:
# XXXX Sunrise Credit Service XX/XX/XXXX open account hit my credit report XX/XX/XXXX Amount {$560.00} for a XXXX  account. 
When i reached out to Sunrise Credit Service they tried to sell me a service to restore my credit. XXXX couldn't give me any help because it was in collections with Sunrise. Owner of this account is from Texas. 

# XXXX XXXX {$2200.00} for a wire line account, hit Credit report XX/XX/XXXX XXXX fraud was notified XX/XX/XXXX and waiting on their reply. XXXX take XXXX business days. 
Owner of this account is from XXXX New Jersey. 

I have never lived in either state, never open any accounts with XXXX. We had in XXXX 's had a XXXX account I believe, it would have been a cell phone account for XXXX or XXXX  years.

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 2019-01-08
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Love, Beal, and Nixon attempts to collect from XXXX individuals with federally protected, exempt funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: IN
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hello, thank you to make the time to read my message. I had a fraudulent withdrawal incident with my Bank of America pre-paid account this week, XX/XX/2022. The location : BoA atm in XXXX  XXXX, CA. The amount is {$800.00}. Immediately I contacted customer service and submitted a claim. I have the confirmation number. I was told that will take 60 - 90 days to investigate. Ridiculous, I explained that I'm in need of the payment immediately. I have to purchase groceries for my family, and gas for my car to look for work.

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 monetary relief
Consumer complaint received 2023-11-03
Company: OneMain Finance Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan 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:
I have been with XXXX XXXX since XX/XX/2023 and this is a debt consolidation company. My account with XXXX XXXX  dealing with One Main is # XXXX. XXXX XXXX is willing to do a settlement to take care of this debt besides going to Court or Garnishing my wages. I was notified by a Bankruptcy Attorney and have submitted the letter to XXXX XXXX of this potential lawsuit or garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: NC
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 had a charge off from XXXX XXXX XXXX XXXX on my Credit report for 7 years at a larger balance than when it was originally written off for. XXXX XXXX XXXX XXXX kept increasing the amount. I have dispute the information starting in XXXX when it was at 7 years to have it removed yet the bureaus have not done anything. They said the information came back accurate. I disputed it on XX/XX/XXXX, XX/XX/XXXX as well but they keep saying it is valid without proving the methods and means at which they found it so. This item is hurting my credit and has been over the duration of time allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: AL
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.

has violated my rights. Or a list of inquiries : 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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Trans Union file # XXXX, is reporting the following fraudulent inquiries 1. XXXX XXXX  XXXX  dated on XXXX XXXX, 2023. 
2. XXXX XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX  dated on XXXX XXXX, 2023. 
4. XXXX dated XXXX XXXX XXXX, 2023.

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 2023-10-31
Company: EQUIFAX, INC.
State: FL
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:
There is information that is on my constimer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNT NAME : 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  You are required to do what I am asking and block these transactions from being reported. 
I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Atlanticus Services Corporation
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/14 I contacted Fortiva Retail Credit XXXX 2 times and spoke to 2 representatives. I was looking to get information on financial hardship for COVID related reasons. I am currently up to date on my account and was looking to get ahead of being behind. Both representatives explained there were no options and provided 3 numbers to 3rd party credit counselors, when you call there are promotions and fees. I did ask one of the Fortiva Representatives if I could close my account and make low monthly payments, she closed my account and said I had no options on the payments. I then tried to text a representative through the Fortiva website and texted a XXXX who also provided the same numbers and when asked about late fees and interest said I would still accrue both even if the account is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
GM Financial sent an amount due to the credit bureaus for my final settlement invoice related to my lease turn in without ever informing me of the amount due, when it was due, and providing a reason as to why they reported it. Further, when talking to the GM Financial customer support, they keep saying that the final invoice will come in 90 days after lease turn-in, but then it would make no sense for them to report anything to the credit bureaus about financial information on the account since nothing is due. I'm concerned that they will deem the amount overdue and then it will hurt my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo has been has been taking claims and then reversing the fees even after I worked with the consumer and was advised by the consumer themselves to contact the bank. The company, in certain cases even authorized a partial refund as the problem continued. I contacted the bank they issue a refund and file the claim but, then would reverse the charges at very inopportune time during the holiday. As well as all year. I had another issue where they just out right refused to file the complaints fully through at all and the error was their own and I even had a banking reference number and contacted to make sure the funds were available before submitting the payment. And in addition, I was offered a presidential reimbursement, where Mr. Trump, Mr. Obama and my dad as well as a couple friends ... left checks written out to the bank with my name on it as the person it to be in care to. I understand this may not be a typical form of payment to some, but I was advised they leave the checks at the branches they are typically closest to and will even reach out to the other ones in moat cases. There is no reason that my claims should be reversed back especially my claims are of legitimacy even with out compensation offering to my claim filings. Also, I noticed anywhere from a 50 to 150 with holdings from my balance Like is just lost in air space. Please help ASAP to have this situation financially reimbursed on my behalf 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