BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: Atlanticus Services Corporation
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On [ XX/XX/23 ], I reached out to a customer service representative at Fortiva, because I was having issues with my portal. They processed the payment for me and stated that she would take care of a late fee and the account. I asked her throughout the call several times if because I have issues with would my payment report as late. She stayed at all three times that there was absolutely no way my payment will report as late. I had nothing to worry about and I should follow up with customer service on Monday. 

Unfortunately, the representative gave me incorrect information. I received a notification that my payment did report as late which contradicts the information given by XXXX customer service representative. 

Please let me reiterate no point in time during that conversation that she state if the payment was after the XXXX that it would be late reporting. I did not find that out until calling a customer service representative today and I talked to three of them and it wasnt until the third representative that I was given that information. Verbatim she stated it was taken care of and there was no way that it will report as late, which is incorrect due to the late reporting. 

This may have been a honest mistake on the representatives side, however, it was on my behalf. I am asking for Fortiva to Please take accountability for your representatives actions by fixing this mistake and educating the representative. Fortiva has failed to properly educate this particular representative and adequately inform me as the consumer if anything was different. As a result, she has created financial obstacles for me by providing incomplete and incorrect information. This extreme disservice to a client to provide partial information. 

To resolve the problem, I would appreciate a updated report being sent on my behalf. 
I look forward to your reply and a resolution to my problem. I will wait until before seeking help from a consumer protection agency or other assistance. Please contact me at the above address or by phone at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or omit these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX, I called to dispute a public record ( bankruptcy ) that does not belong to me. XX/XX/XXXX - they removed the public record and and re-insert the same day. The FCRA is requiring them all CRAs to notify me within 5 days of reinsertion. I did not receive any such notification, please have the remove this item permently and immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: WELLS FARGO & COMPANY
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 {$8400.00} XXXX was removed from my Wells Fargo bank account via an online wire transfer. I was not notified of this transaction nor did I have any involvement in authorizing it. I immediately contacted Wells Fargo where they advised me that the money was sent to another person who I have no connection to. Wells Fargo informed me that the money was removed from my account ; however, the funds were not yet fully deposited into the other bank account. Despite the money not yet being deposited into the other account and the money not being in my account either, Wells Fargo was unable to tell me where the money is. I advised Wells Fargo that I never placed or authorized this transaction and had no involvement in doing so. Wells Fargo told me that it had to be my fault since the person who made the transfer used my information. Law Enforcement was then contacted and quickly identified and located the suspect who conducted the transfer. Due to the suspect being outside of the range for extradition, the suspect has yet to be arrested. The criminal investigation revealed that my personal cellular device was either compromised or a phone port was used to access my Wells Fargo account. Additionally, Wells Fargo informed me that they sent several passcodes via text to my phone which I never received. Despite Wells Fargo already having this information they still made me request my phone records which clearly showed that I did not receive any such messages. Wells Fargo has continued to refuse to refund the money that was stolen from my account and shifting responsibility to me for their own failure in fiduciary duties to protect my funds. Law Enforcement also has a subpoena for my bank records to further show that I did not have access to my account in regards to this transaction. I have attached the initial police report to this submission. This report does not have all of the information that has been discovered over the course of the investigation and only provides a brief overview of the case.

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 2021-02-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
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:
This complaint was filed : Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Incorrect information on your report As of XX/XX/2021 the report with XXXX has been updated to the attached screenshots - still inaccurate. This malicious inaccurate reporting of non existent delinquency has effected my insurance rates on both my home and auto among other things - this is my last attempt to get correction before legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of the identity data hack of Equifax, per their online checker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Medical Society Business Services, Inc.
State: AZ
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:
I received a letter on XX/XX/2023, dated XXXX XXXX notifying of BME Services intent to collect the debt. I had been in contact with insurance, but intended to pay to avoid a negative impact on my credit. I have a rating of XXXX. I called their office because their online payment did not work. I could not find the site. I was told I could not pay by phone with XXXX, my only credit card.. One phone number listed on the letter was incorrect and with the other, I twice was on hold a very long time. Their office person told me the online payment had not been working for some time. She said there is a, " glitch, '' and would not tae payment under {$100.00}. My debt is, {$90.00}. I have no checks and do not want to order checks. I have had a recent ankle injury and would need help to get to the bank. I am XXXX old and have no family in the area. I asked if they would give me a grace period until they have their online system fixed. She said they would not and if I don't pay by the deadline, My credit would be negatively impacted. I then called on XX/XX/XXXX, XXXX XXXX XXXX XXXX as this non-profit agency owns. the collection agency. I was told a XXXX XXXX would call me. I have not received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an online savings account with Citibank. I don't do much with the account but yesterday I wanted to access it. 

XX/XX/22 I went to sign in, and it wanted to text me a code, except they have a phone number no longer in service. I opted for a phone call, and the rep wanted my ATM pin to help verify the account ( I'd already provided SSI number ). I do not have a credit/debit card for that account, it was opened only for the purpose of a savings account. 

The person I spoke to at Citibank indicated the account had been locked, although he did not know why. He tried to get me signed on but I got a message the site at difficulties. He offered to start all over again, but I'd already been on the phone for an hour and had to attend other things and told him I would try the next day. He said he changed my phone number, so I assumed I would be able to sign in by getting a code the next day. 

XX/XX/22 I called, and very long story short, my account can not be accessed due to some glitch on their end-nor can they tell me why my account has been locked. They did say my phone number had been changed, but that does not reflect when I go to try and sign in. I asked when that would be resolved and was only told the developers were aware of it. I received no information as to why my account had been locked, or why I could not access my money. I asked if I would be notified when it was fixed and was only told again, the developers are working on it. So no clue as to when I could access my money. 

I consider this a major problem. If I had an emergency and needed access to the money immediately, I would be out of luck.

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 2023-08-30
Company: Sequium Asset Solutions, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with XXXX XXXX XXXX several years ago. On or around XX/XX/2023, I suffered financial hardship due to health issues and could not keep up with and pay my monthly payments. I called up XXXX around this time and was placed into what I thought was a deferment program. XXXX stated that I would not have to make any payments until XX/XX/2023 and that my past-due balance would not be due until XXXX. By enrolling into this program, XXXX validated several times that I was protected from being sent to collections. 

On or around XX/XX/2023, I contacted XXXX about the past due balance that I owed them, and we came to an agreement/settlement that the {$300.00} past due balance would be settled for {$260.00} ( please see documents of this being paid in attachments ). From there, I thought that my account was taken out of deferment and was reactivated. 
On or around XX/XX/2023, I received a letter in the mail from Sequium Asset Solutions , LLC. They stated that I owed them for this XXXX Account for the debt that I had settled with XXXX on XX/XX/2023. I immediately called XXXX and spoke to several customer reps and supervisors ; none of them had any record of this debt being sold to Sequium Asset Solutions. After several hours on the phone with XXXX, they stated that my account ending in XXXX was current and no prior debts were due from the deferment. 
I then called Sequium Asset Solutions ; upon speaking with them, they refused to acknowledge that my debt was already settled with XXXX, and insisted that I owed them the {$300.00} with an additional {$260.00} in fees. Upon speaking with them, they stated that failure to pay these debts that had already been paid and that they would take legal action if necessary. They refused even to consider that I had already settled these debts with XXXX. I then said I would take this matter to the CFPB, in which they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment to my Bank of America small business account on XX/XX/2021 for XXXX . The money was drawn from my account the same day and applied to my balance the same day. It is XX/XX/XXXX today and they will not update my available balance allowing me the credit I paid for. I spoke with XXXX XXXX who stated they can hold my money for 3-5 business days which I believe is terrible to do to a small business and being they took my money out of my account on XX/XX/2021. I believe they are being unethical and punishing people by holding there money and releasing the credit when they feel like it. Please do something about this to help other small businesses in the future. In todays day in age sending money via XXXX or other platforms is instant and it is hogwash that they can hold my money and credit limit down for 7+ days. 

Thank you

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 2023-10-04
Company: Genesis FS Card Services, Inc.
State: CT
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 this creditor has violated my rights : Under 15 U.S. Code1681, SECTION 602 It states I have the right to privacy Under 15 U.S. Code 1681, 604A, section 2 A consumer reporting agency CAN NOT FURNISH An account without my written instructions.

Under 15 U.S.C, 166B Which states A creditor may not treat a payment on a credit card account, Under and open on a consumer plan as late, for any purpose. 

FEB Destiny Mastercard has made 11 reports of late payments On MY credit report. This is covered under the above cited statues. I request the removal of said reporting as it negatively impacts my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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: Public record information inaccurate

Complaint:
I applied for an XXXX XXXX XXXX XXXX XXXX XXXX for my very small business. I received a denial after providing them my bank information. They claimed 1. That I had a recent returned returned check. 
2. I do not pay my credit card balances. 

I contacted XXXX XXXX and I was told to reach out to Experian where they get their information. Experian stated and confirmed I do pay my credit cards on time and I am not late. I have 3 consumer cards with XXXX XXXX and I have never defaulted or made a late payment. I then asked Experian who is writing bad checks in my name? XXXX XXXX told me I had returned checks. They stated that they have no bad checks on my credit report. XXXX XXXX wrongly denied me of a credit card based on inaccurate information. I need this to be resolved so they stop denying me of credit. I can only imagine who else this is happening to.

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 2021-10-27
Company: American Credit Acceptance, LLC
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:
I am the consumer in fact, a natural person and a federally protected consumer under title 15 chapter 41. This complaint is a result of unfair & deceptive practices that harmed me, a consumer privacy, defamation of my character & reputation. 

I have sent a letter to XXXX on XX/XX/XXXX demanding that those inquiries ( transactions ) to be removed from my consumer report based on 15 USC 1681a ( 2 ) ( b ).

Those inquiries were not removed.

I the consumer and the card holder didnt not benefit from the extension of credit to the financial institutions below that resulted in adverse action. 1681a ( K ) I didnt benefit from the extension of credit and didnt give any explicit authorization and written instruction for it to be furnished on my consumer credit report. This is a clear violation of my privacy and defamation of my reputation. 

The above are clearly FCRA violations of my federally protected consumer rights and therefore all the disputed inquiries should be removed from my report immediately. 

Disputed inquiries to be removed immediately : AMERICA CREDIT ACCEPT on XX/XX/XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Alliance CAS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XX/XX/XXXX the XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX altered our maintenance fees, but didn't notify the unit owners. I found out this some 45 months later when i received the letter from debt collector ALLIANCES CAS. : COLLECTION DEPARTMENT, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FLORIDA XXXX, on XX/XX/XXXX Now they claim {$13000.00} for the maintenance fee difference, plus the management falsely claimed the maintenance fees for XXXX, XXXX and XX/XX/XXXX which i paid on time, and they already deposited long before they sent me the notice letter about this debt. 
As soon as i sent them the proof of payments they kept very quiet about this. 
They made an attempt to collect fraudulent debt but it didn't work out for them. 
I have an other issue with the same debt collector, i am getting this letters claiming i owe debt but i sent them the proof of seven ( 7 ) monthly payments, and now if i don't pay {$3500.00} within 45 days a lien could be placed on my apartment.

This notice letter came on XX/XX/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 2023-10-17
Company: ZIONS BANCORPORATION
State: WI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I purchased from Nevada State Bank two CDs : one on XX/XX/XXXX for {$1000.00}, the other on XX/XX/XXXX for {$1000.00}. Both are automatically renewable with no expiration dates. I kept the original signed certificates in my safe at home. On XX/XX/XXXX, I presented them to Nevada State Bank for redemption and the bank refused to pay because they have no records of the purchases, claiming that the records were purged. Can they refuse to pay?

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 2018-11-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan was paid off by a consolidation but they keep reporting it as late on my report. I dont think it was even a federal loan but they show it as such. On the Dept Ed site it shows it was paid off in consolidation.

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