BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have previously disputed US Bankruptcy XXXX XXXX # XXXX. And in response you verified the information as accurate, stating that you verified the information with XXXX XXXX. I contacted XXXX XXXX, and their response is enclosed. It is clear that you are lying as XXXX XXXX states they notified YOU on XX/XX/2022 to have the data removed. So, you are willfully and purposefully being unlawful. 

Therefore, your original response that you verified the information was a error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information should be deleted immediately. 

SO in response to your negligence, Ive filed another complaint with the CFPB. 
Ive filed a complaint with the XXXX 
Ive filed a complaint with the XXXX  Attorney Generals office. Intake # XXXX Ive attached your response dated XX/XX/2022 and the XXXX XXXX response. So Its obvious that you are being negligent.

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 2023-10-16
Company: Eagle Recovery Associates, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A male from Eagle Recovery Associates called me said I owed {$1100.00} to a hospital and I requested a itemized bill he said one was already mailed to me months ago and I should have got one from my insurance because they paid their portion. ( I have never received a bill from my insurance showing what they paid ) I told him I had never seen a bill or statement regarding these charges. He then told me he will not send one and hung up on me when I told him I had the right to request a itemized bill and as I was that he hung up the phone.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have identified information on my consumer credit file recently as a week ago that is a direct result of identity theft. This item is not related to any transaction completed by me. The Company which appears fraudulently on my consumer credit files name is XXXX. I have no idea who they are. My Social Security number, my date of birth, and other sensitive data has been compromised by all three major credit reporting agencies which include XXXX, XXXX, and Trans Union and all three agencies have had data breaches. I have filed an XXXX report and a police report with my local agency.

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 2022-06-22
Company: NCB Management Services 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: Personal information incorrect

Complaint:
The credit bureaus keep reporting my personal information as inaccurate, the last day active is inaccurate, and collection reported inaccurate. This is grounds for removal. They also violated my rights under the following : 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.S 1682 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was unable to make payments on the vehicle due to personal financial problems, fortunately i was able to get an advance from work to help catch me up, but it wouldn't clear til Friday, XX/XX/XXXX. The bank, Honda Financial reached out to my cosigner as of Wednesday, XX/XX/XXXX. My co-signer assumed responsibility and ensured them the amount would be paid in full and up to date on the XXXX. The bank agreed, and failed to inform us that the car would be up for repossession if payment was not due sooner. They simply agreed to the payment arraignment, declining to mention this key information. Now i struggle to recover the car, let alone speak to someone who could further enlighten me on the situation. My biggest issue here is why would they 1 ) not tell us of this dire information and 2 ) why agree on a payment arraignment and still repossess my car. They also informed me that I only get one time to remove my belongings, which i was only able to grab my work supplies, due to being timed. All contracts, paperwork, and any documents I could review, are within the car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX, XXXX XXXX has reported delinquencies and my credit file ( with Transunion, XXXX, XXXX ) and continues to post this account as an active account and the account is charged off & closed since XXXX ( {$14000.00} my file saying that I owe after the vehicle was repossessed, and the finance amount was allegedly {$17000.00} ). The car was repossessed XXXX XXXX  XXXX, while my XXXX XXXX child sat in the passenger seat at XXXX-I filed a police report on that date against them as well. I have asked all 3 credit bureaus to investigate, to remove this item, and they have not complied. They are also in violation of Georgia law XXXX code XXXX. 

As of XXXX XXXX Transunion, XXXX XXXX XXXX has reported XXXX XXXX to all three bureaus that I owe {$240.00}, this is a closed collection. I have asked that it be removed, they have not complied. 

As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX, has shown up on all XXXX credit files as delinquent in the amount of {$1800.00}. This is incorrect information and I've asked for it to be removed. 
As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX has shown up on all 3 credit bureaus that I owe {$1800.00} I've never had a device with this company and I have asked that they remove this item multiple times. 

Transunion XXXX XXXX both have listed my student loans with Dept of EducationXXXX with incorrect amounts, dates & delinquencies. I have asked that they be removed. 

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 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 2022-06-22
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Two new separate collection accounts have been added to my XXXX credit report in gross error. XXXX, and three other credit bureaus, are reporting in two separate new accounts that I owe XXXX XXXX {$790.00}. This is being reported by CREDIT MANAGEMENT LP, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX. XXXX XXXX XXXX. XXXX XXXX Account ID : XXXX, Client Number XXXX, their phone number, XXXX. This is the second or third time this account has been sold for collection. I disputed owing XXXX previously and won the dispute and the collection was taken off my account. I called and objected to collection by a previous collector on XX/XX/XXXX and filed an online dispute and won, on or about XX/XX/XXXX. No money was owed with my proofs of all returned equipment. 

I suffered from XXXX XXXX twice in XXXX and in XXXX. After I cancelled XXXX. I called to let them know my family and I were in lockdown quarantine and I could not leave the house to return the equipment as I could not drive, but as soon as possible once the mandatory Michigan lockdown was over I would be happy to return all. At the first opportunity I drove to the main distribution center and returned everything. EVERYTHING WAS RETURNED. I should not have to pay collections fees and costs and have my credit destroyed I worked so hard to keep current even in a pandemic with Covid! This is wrong and not a valid debt. Please make sure this is taken off all my credit bureau records. 
XXXX XXXX XX/XX/XXXX

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 2023-09-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I reported my card stolen. I told the agent that my card was compromised because my phone was also stolen and it had my pin number. After receiving several emails every two days up until XX/XX/XXXX, stating that they were still investigating the claim all of the sudden I was told over the phone when I called on XX/XX/XXXX, to inquire about the status, that on XX/XX/XXXX they determined that there was no fraud on my account. I never received a letter, email or a call in regards to their decision. There was {$1800.00} worth of unauthorized charges on my business account. I did not make any of these purchases and I would like to know how they determined that the charges are not fraudulent.

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 2022-10-27
Company: Avanta Recovery Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am truly a victim here. 

XXXX collection Avanta recovery service XXXX credit And over XXXX inquires This is stopping me from getting my home. 

I never had any of the above accounts. I spoke to the bureaus and the evidence they sending me is insufficient, without my signature I didnt approve nor apply for any of the above accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-10-19
Company: Arco Collection Services LLC
State: TX
Product: Debt collection
Sub-product: Other 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:
1. Under Texas law, most creditors aren't allowed to garnish your wages except for court-ordered child support payments and spousal maintenance. ( Tex. Const. art. 16 28, Tex. Civ. Prac. & Rem. Code 63.004 ). Texas employers must also comply with garnishment orders for federal debts, like federal student loans and taxes. But not garnishment orders that involve consumer debts. 
3. ARCO Collection knowingly and illegally garnished my paycheck knowing that I lived in Texas, this is unfair and deceptive on XXXX XXXX & ARCO Collection. 
4. XXXX XXXX called my phone stating that he was the attorney for ARCO and if I paid him {$540.00}, + the processing fee & setup a by-weekly payment that he would stop the garnishment that day. XXXX XXXX is not the attorney for ARCO but a manager for ARCO. XXXX was DECEPTIVE 5. I was never contacted to restart payments by this creditor ( ARCO ), they immediately started garnishing me. 
6. I am attaching the garnishment paperwork that I received from my employer, I am attaching my check stubs that shows ARCO broke the law and I am attaching my bank statement where XXXX XXXX contacted me stating that If I paid the {$540.00} that day that he would stop the garnishment. 
7. 2 weeks later after I paid the {$530.00} to stop the garnishment another garnishment was taken from my paycheck. I called ARCO to speak to XXXX and XXXX stated that I owed him that payment for him having to garnish me. 
8. XXXX XXXX ARCO Collection is - unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and according to the law. 
9. Also, ARCO has not sent me a update of my balance after it was requested. I do not believe that XXXX and ARCO are following any laws that you set.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22 we noticed that {$18000.00} had been removed from my savings account at Wells Fargo. My wife 's phone was hacked somehow. These funds were transferred via bank wire without our knowledge or or authorization by us. We recognized this quickly and contacted Wells Fargo immediately that same day. We froze our savings and checking accounts for fear additional funds would be stolen. After filing a claim report with Wells Fargo online we went into the Wells Fargo Branch ( XX/XX/22 ) in XXXX XXXX, CA and spoke with a banker. The banker mentioned the wire fraud was under investigation and that this process can take some time as they have to first try and recall the wired funds from the receiving bank. If those funds could not be recalled Wells Fargo would reimburse us per insurance. We followed up once a week and each time they would only advise that the claim was still under investigation with no updates. I finally received a letter from Wells Fargo in the mail on XX/XX/22 claiming their investigation has concluded and that the online wire transaction we disputed would not be covered by Wells Fargo. They claim we can not be refunded due to their Online Wire terms and conditions, Online access agreement and deposit account agreement. We did not release any sensitive information or provide authorization to any third party nor have any knowledge of the fraudulent wire itself. In my entire time with Wells Fargo which has been nearly 20 years I have made 1 wire in person. Why was $ XXXX not flagged or shown as suspicious activity in my account?

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 2022-08-20
Company: PLS GROUP, INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
This is regarding the transaction that I made today with PLS Check Cashers at XXXX XXXX XXXX, XXXX, IL, XXXX. I went there to purchase XXXX of XXXX car sticker. I explained to the Cashier that I moved from XXXX to XXXX recently. I presented to her various documents such as utility bills, USPS change of address notice, Mortgage Statement. She informed me that she needed a document from me to support that I transferred to XXXX. I presented to her the documents. She stated that, " this is not what I needed.I need a document that of a Lease of the new address. '' I informed her that I do not have the Lease since I bought the property and not renting it. 

The cashier insisted that I pay a late fee of {$60.00} for a XXXX of XXXX sticker. The reason that she charged me with additional {$60.00} late fee because I can not present a document that I moved to XXXX. I asked her that would it not sufficient that the change of address Notice date on USPS in XX/XX/XXXX? 

I think collection of late fee is not justifiable since I brought and presented to the Cashier all documents needed to prove that I transfer to XXXX. This is a form of unfair consumer charging in an unscrupulous way. 

I was charged for a XXXX XXXX Sticker for a total of {$160.00}. The car sticker is only good for 6 months ( XX/XX/XXXX ). I was charged of an additional fee of {$5.00} ( which it was not explained to me what this fee for ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: AR
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 Account # XXXX and XXXX 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 2022-06-22
Company: Experian Information Solutions 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 Account XXXX XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy. 

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 Account # XXXX and XXXX 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 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 2022-06-22
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 Account XXXX XXXX has violated my rights.

15 U.S.C. Section 602.A., states that I have a right to privacy. 

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-06-22
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:
These accounts are not mine I noticed them recently and I need them off as soon as possible

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